Signing up, I ask my husband 'do I pay monthly or pay upfront and save a month?'  His response: 'Are you committed to doing it?' 

Absolutely!  So far I've won 1 bet, been a 'runner up' in my second, and we expect to be be runners up in our current joint bet.  But I will have lost at least 16 lbs on 12 weeks, my husband will have lost at least 5lbs on his first bet, and even more importantly we are starting to make lifestyle changes that are sticking.  

So it's a resounding 'Yes!'  Not only am I committed  personally, for the first time we are in it for the long term and doing this as a family. Supported by our Personal Trainer eldest son, and setting the right example for his younger brother, we are united on this journey.

18 December 2016 - target 12st.  3st from today and 9 months to do it :)