I currently do not use the By Referral Only program however I have used it in the past and was completely satisfied. The only reason I did not give it 5 stars is because I haven't used it recently. The reason I stopped using it was a cost cutting measure. What I learned the most from this program more than anything was, your past clients are a gold mine for referrals and repeat business that most agents do not work. Out of sight, out of mind they WILL forget you if you do not stay in touch with them!