If you use a different wealth-building method that does give you all of the above 17 benefits and guarantees of WAY Planning, here are the simple rules of the Challenge (and please note this is a Challenge, NO individual skill or ability is involved; we are simply pointing out that the WAY Planning concept has no peer among other college savings vehicles, strategies or methods of which we are aware, thus the Challenge):

1. Your savings or investing strategy must be a strategy, vehicle or product that you currently use yourself, and can prove that you use it with objective documentation, if requested, and you must be prepared to prove it meets or exceeds all 17 of the advantages described above.
2. It must be legal and available in the continental U.S., Alaska and Hawaii.  (No offshore financial vehicles or products will qualify.)
3. It cannot be a strategy that involves essentially the same product (life insurance) and method as used for WAY Planning, even if it goes by a different name.
4. We must be able to contact you and to gather the additional information to verify the specifics of your strategy.  You must be willing to complete an IRS Form W-9 http://www.irs.gov/pub/irs-pdf/w9.pdf.
5. You may not request a confidentiality or non-disclosure agreement for your strategy, and if someone is successful in demonstrating his or her strategy matches or beats WAY Planning, the details will be posted on www.cfsionline.com.
6. The first person to provide the proof described in these rules will receive a check for $25,000 and the Challenge will officially end.  Any taxes due on the payment are the sole responsibility of the person who collects on the Challenge. Collegiate Financial Solutions will issue a 1099 for the amount paid.
7. We reserve the right to revise or withdraw the Challenge, by posting those details on www.cfsionline.com,and the change or withdrawal will become effective on the date it is posted.
8. Any dispute arising out of or relating to this Challenge, except for those involving the alleged infringement of CFSI’s Intellectual Property, that has not been resolved by good-faith negotiations, will be finally settled by arbitration in accordance with the then-current rules of the American Arbitration Association by a sole arbitrator.  The arbitration will be governed by the Federal Arbitration Act, to the exclusion of any inconsistent state laws.  The final judgment upon the award rendered by the arbitrator may be entered by any court having jurisdiction.  The place of arbitration will be Santa Fe, New Mexico.  The arbitrators are not empowered to award damages in excess of any lawful limitations on damages provided in this Challenge.  The substantive law governing any dispute will be the laws of the State of Alabama.  The same statute of limitations applicable in the State of Alabama for the commencement lawsuits will apply to the commencement of an arbitration under this paragraph.