[Toby]

Step 1: Check the calendar. If it says 1998 then, and only then, proceed to step 2...

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The point being, the biz has changed a great deal since 1998. You have to be able to drive traffic to your pay site, and unless you already have an established network of sites to provide a good portion of that traffic you need money to buy traffic, buy ad spots, etc. If you don't already have a source for "talent" I'd suggest doing something else with your design skills.