Yeah, 15% is a lot but, I also think that 25% is more :) (some other apps). I am going to keep playing around with it and seeing what it is capable of as well as what it is not and hopefully improve it. I think that in the future, all of the apps are going to have to drop their beneficiaries due to competition and volumes. With very large numbers of people, they will be earning too much for what they offer and the market will react.