Cal - Don't personally know you so I can't comment on your end of this conversation
However through emails and phone calls with Wig I can't imagine ANYONE has done more statistical background work and has found a higher earning, more robust, less risky system that what ACH debit presents for checks
Plus Wig has been around for a while so he and ACH know who's who and what's what in the adult industry
Just ask Wig about market cycles