PAT BERRY · DIRECT SALES · CHAPTER 14

What it really costs

Separate customer purchases from optional participation expenses. Use official current prices, refund policies, and income disclosures where applicable.

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ItemRequired or optionalOne-time costRecurring cost and frequencyTime commitmentTax or fee to confirmCancellation or refund sourceVerified date

Starter worksheet · October 19, 2026 · Use verified facts and your own wording.