We have people make our quality greeting cards from their own home. The greeting cards are cross-stitched. We pay people $126.00 for one unit (24) of quality greeting cards, to that we add $20.00 reimbursement for the supplies and postage. Totaling $146.00 per unit. We do have a start up cost, which is $20.00 for the kit, $12.00 for the registration and $7.95 for the shipping and handling - that is a total of $39.95. The kit contains enough material for your first full unit (24), instructions, diagrams and a quality control number if you need assistance making a greeting card. We also have sample cards that are available for an additional $8.00.