According to an analysis by Barron's, a US financial magazine, only by digging into the footnotes of reports, and checking other regulatory filings, can one estimate that their earning tables leave out 90% of Herbalife's distributors and almost 95% of Nu Skin's. More importantly, it documents how MLMs are getting their money from micro-credit institutions—an issue that is of serious relevance to India, where tens of thousands MLMs are luring the poorest people