If I could I would choose zero. They lie to people and never never trust the things that counselors tell you. I opened a life insurance and the counselor told me you get annual interest and whenever I want my money back after 15 months, I would get whole of the money. But after 2 years when I canceled it, they took about 20% and about interest they told me there is no interest. They completely lied to me, and just told WE ARE SO SORRY FOR YOU. Never trust them at all