回复给OldTie。
My actual time line is I transferred to Ritz soon after 1 year
And then I did not get billed $95, I got $450 directly
so maybe their model is
you pay for $95 for the year, after 1 yr you get a 35k FN
you pay for $450 for the year, after 1 yr you get a 85k FN
(I am in my 16th month now. I paid $95 in month #1, got 35FN in month #12, transferred to Ritz in month #13, paid #450 in month #13)