now trying to identify what there is that I might be missing... so have any of you had experience with this?

Dang BZ I thought you would have known about this agency.  

The pics on that site havent been updated in at least 8years.   So my guess is mostly B&S .  I have also noticed that the agency was advertising the same ad in diffrent cities across the country  as far away as LA.

http://www.theeroticreview.com/reviews/show.asp?id=6539

I did some research,its sophistication aka eliteworld aka 800-955-1010..bad news