Hello Dick,
Your site is a really good alternative for those who don't have a credit card or just afraid to use it online.
But I don't see any reason why you should protect your website by "HTML Protector"... You don't have any special content that somebody would like to steal. If you noticed, such giants as PayPal, e-gold, money bookers etc. don't have any protection. I suggest you to  remove html protection and promote your site.
I wish you best luck and many customers.

hi,
good if the protection doesn't harm site's position. I know that google usually penalizes sites that contain hidden text and doesn't rank high.

About the design:

Though your site looks very neat and the colors you chose are very soft, eyes are getting tired very quickly. At least mine:).  Probably you could use some traditional colors like black text and white background.  Or you could search the web for free website templates and probably you could find some idea on eye-catching colors that never the less don't make eyes tired. It's  just my opinion.

Secondly, you use buttons at the top of your pages. It would be easier to navigate if they had the same position in all pages. You know what I mean. "Join free" button looks like it is always active. It would be better to change color of the buttons onMouseOver and to set an active button for each page related to it.

Also it would be great if you had your site reviewed by http://www.truste.org/ & www.bbbonline.org/ and placed their logo on your site.

Good luck

Hi
I know nothing about site design. But your site looked OK to me, there was a lot of text that I'd like spilt up and the pictures on your banner look poor quality being very blurred. Its a good idea your business.