Why not Build your 2012 future with a program that will allow you to keep your money and not re-enter. If you re-enter you will be better off if you continue to share the program.
I would suggest every one stay at the $100 and not upgrade to the $500 or the $1000 level unless you can personally invite 20 people and each of your 20 can invite 2 each.
Most people won't tell you this up front. They just want your money so they get you real excited and you later find out what you shouldn't have done.
I get excited when you take $100 and you receive $800 over and over and over again!
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www.universalactivities.net/gift