Thank you for the reply. I actually went to two different seminars one for True Results whom offer financing through credit care the total cost there is 15,000. Then one seminar at southwest bariatric in Austin they specialize in the REALIZE band. They where not very helpful once I was denied by my insurance, so now I am leaning more toward True Results. I'm just worried about all the steps I have to take and of course I am continuously second guessing myself.:thumbup: