If you’re an adult and you’re breathing, there’s a pretty good chance that sooner or later, a friend or acquaintance will approach you with a chance to “start your own business,” “be your own boss,” “become an independent distributor.” What you’ll get is a pitch for a type of business referred to as multi-level marketing (MLM) – although it may be called by other names, including network, direct, affiliate, or matrix marketing. (Because these schemes get such a bad reputation, the companies change names to make them more attractive.) More