well kailadai, personally, I don't care what Veritis do or have done. I am not "her" who you think I am -- not a good thing to assume people's identity. I was just giving out information that I had. I got trained from Veritis. I have to acknowledge that it was a rough road for me in the beginning, but I had all the skills that I needed from the company which helped me get into a great financial company. Maaila's friend might be in a different situation than yours. All Nepalese brothers/sisters cannot right away start asking for 80/20 -- they got to build their skills first. I have come across lots of Nepalese folks out from college and making $6/hr in gas station wasting their time not knowing the opportunities out there. We are here to help out each other but not to criticize or assume stuffs. Peace! haami