I have no problems whatsoever with the web site. While I cannot comment on the Company's financials, I've done very well (for my retired mother) this year following their dividend-paying stock selections. She owns 32 high dividend paying stocks and 27 of them have gains. Of the 5 with losses, I didn't sell 2 of them when VL downgraded them to "4" and now one is a "5". Most of the gainers are up at least 20% - and the portfolio was bought for yield, not appreciation.