Can any of you guys and gals offer feedback on these programs? Both are pretty affordable, but is there real value in them? Having looked over these programs, I see some differences such as USLS giving members 24/7 access to a hotline with "Plan Attorneys" whereas USCCA SDS has members search for and contact their own choice from a list of participating attorneys. Also, USCCA SDS has three tiers of service with differing levels of civil and criminal liability protection, which I have to admit I don't fully understand...are those dollar amounts referring to attorney fees or to damages in the event a civil suit is lost??? And if I am understanding correctly, it sounds like USLS simply provides its legal services to members, whereas USCCA SDS only reimburses the attorney fees afterwards. In the event of the worst-case scenario, I seriously doubt I could afford to retain an attorney up front. But I also question just what kind of lawyer I would get on a hotline at 3 a.m. Thanks for any help in better understanding these.