[kevc]

This is a good point - we can do a better job demoing how the product works before you buy. Although it looks immediate on the site, we don't currently charge the setup fee until we check in with our customers and make sure they are happily set up.

The reason right now is that we work with outside experts to draft and review the legal plan documents for every customer that signs up. Because this is such a new thing we think it's worth spending extra to be sure we are buttoned up from a compliance standpoint. This has an upfront cost we need to cover. Once we bring this in-house we can think about the pricing differently.