I guess it all depends on who is running the school. The school that I attend is not too commercial. There are no contracts and there is no pressure (I was asked to watch at least two classes before I could sign up). Once you start training, you stay at your rank until you are ready to test. There is no "three month rule". It could be one month or one year between belts and it really depends on the student and level of commitment. The classes that I attend are very small ( four to 10 people on average) and the majority of instruction is done by instructors that have 12 or more years in the system. Urbin has a good site and shows how the system evolved from Hawaii, Cerio, and New England and how it has grown through many off-shoots. Oh, my favorite thing is that "Shoalin Kempo" is a very complete system and includes felling and grappling. My previous experience is not looked down upon and has been of great value in learning the system (I was a brown belt in college and have had some wrestling experience.) Anyway, I have had a great experience with Villari's.