Do you ever feel like the “cookie window” in your affiliate programs is a timer on a microwave you don’t own—blinking numbers, counting down, and somehow still your responsibility?
What a Cookie Window Really Is (and Why You Keep Thinking About It)
You care about getting paid for the sales you influenced. The cookie window is the time between someone clicking your affiliate link and the network still crediting you if that person buys. If the purchase happens inside that window, you’re in business. If it happens just outside, you’re in therapy.
In 2025, talking about “the best cookie window” means more than just the number of days. Browser privacy, cross-device behavior, and network attribution rules all push and pull that number in ways that can help you or leave you rehearsing a strongly worded email. You don’t need an economics degree to pick the right network, but it helps to think like a skeptical neighbor who asks, “So what’s the catch?”
The Big Shift in 2025: Cookie Windows Aren’t Everything
You’ve probably noticed: browsers have a talent for ruining a good time. With Chrome limiting third-party cookies and Safari doing what Safari does (ITP), networks are leaning harder on first-party cookies, server-to-server tracking, and identity-based attribution. In plain terms:
- Long cookie windows are only useful if the network’s tracking survives modern browsers.
- Cross-device buys (phone click, laptop purchase) demand tracking methods beyond cookies.
- Many programs now mix “post-click windows” (the time after a click when a purchase credits you) with “post-view windows” (attribution after an ad impression). For our purposes, you care most about the post-click part.
So yes, “90 days” is lovely, but not if the program only recognizes clicks on Tuesdays during a full moon. You want both a generous window and a tracking setup designed for 2025, not 2005.
How to Judge a Cookie Window Like a Pro
Before you fall for the biggest number, put it through a few simple tests:
- Who sets the window? Network-wide defaults are rare. Most advertisers set their own duration within a network.
- Last click or multi-touch? If the network is strictly last click, whoever shows up late with a coupon might steal your sale.
- Cross-device? Does the network credit you if the user clicks on mobile and buys on desktop?
- First-party or server-to-server options? This helps resist browser limitations.
- Does the window differ for add-to-cart behaviors? Some retail programs give longer windows if the user adds within 24 hours.
- Is there “sticky” or lifetime logic? Common in SaaS and digital product platforms, where your referral stays attached to the buyer’s account.
Keep those in mind while comparing networks. They’ll keep you from getting distracted by shiny numbers and missing the fine print.
Snapshot: Typical Cookie Windows by Network Category
Here’s a practical overview. Specific advertisers can differ, so think of this as the “usual,” not the “forever and always.”
Network/Platform | Typical Post-Click Window in 2025 | Who Sets It | Cross-Device/Cookieless Notes | Best For |
---|---|---|---|---|
Amazon Associates | ~24 hours (some exceptions historically for add-to-cart) | Amazon | Strong first-party tracking; add-to-cart nuance may vary by policy updates | Broad retail, impulse buys |
eBay Partner Network | 24 hours for click; up to 30 days if added to cart within the first 24 hours | eBay | First-party and robust deduplication; add-to-cart logic is key | Collectibles, auctions, high-intent shoppers |
Walmart (Impact) | Commonly around 3 days (verify) | Advertiser | First-party; conservative window typical of big-box retail | Fast-moving retail |
Target (Impact) | Often ~7 days (verify) | Advertiser | First-party; last-click dominant | Big-box retail with mid-short consideration |
Best Buy (Impact) | Often ~24 hours (verify) | Advertiser | First-party; electronics-specific | High-conversion tech, short-window buys |
Etsy (Awin) | Frequently ~30 days | Advertiser | Awin has cross-device capabilities across many programs | Handmade/vintage, gifting cycles |
Awin | Often 30 days (varies per merchant) | Advertiser | Cross-device assist, first-party tracking | Diverse catalog of merchants |
ShareASale | Many merchants 30–90 days | Advertiser | Good reporting; you can filter by cookie duration | Niche stores, DTC brands |
CJ (CJ Affiliate) | Many merchants around 30 days | Advertiser | Identity-based and cross-device options | Enterprise brands, travel, finance |
Rakuten Advertising | Often 30 days | Advertiser | Strong enterprise integrations | Household-name brands |
Impact.com | Commonly 30–90 days, varies | Advertiser | Advanced server-to-server and deduplication | DTC, enterprise, SaaS |
Skimlinks | Pass-through of each merchant’s window | Merchant | Uses the merchant’s own attribution logic | Content teams who want convenience |
Sovrn/Commerce | Pass-through of each merchant’s window | Merchant | Similar pass-through model | Publishers monetizing across many retailers |
ClickBank | Commonly ~60 days; some vendors longer | Vendor | Sticky logic for recurring products; first-party | Digital products, info products |
Digistore24 | Often 90–180 days (varies) | Vendor | “Sticky” tendencies; recurring commissions | Digital products, recurring offers |
JVZoo | Often long or “lifetime” tendencies for some vendors (varies widely) | Vendor | Buyer-ID-style sticky logic where used | Internet marketing offers |
PartnerStack | Frequently 90–180 days for SaaS trials/signups (varies) | Program | CRM tie-ins can mimic “lifetime” attribution for accounts | B2B SaaS, recurring commissions |
FirstPromoter | Often “lifetime” at the account level after signup; window governs initial attribution | Program | Email/account binding after initial referral | SaaS and membership products |
Rewardful | Similar to FirstPromoter; 30–90-day windows feeding into long-term account attribution | Program | Strong for subscription life-cycle credit | Subscription SaaS |
Note: Always check the current program terms. Brands adjust cookie windows, add-to-cart rules, and attribution logic with little fanfare and less ceremony.
The Retail Reality: Big Stores, Shorter Windows
You want to know which affiliate network has the best cookie window. If your category is general retail, the short answer is: not the giant ones. The big-box names tend to keep shorter windows, relying on their conversion power to soothe the sting. Here’s how the biggest retail programs look in practical terms.
Amazon Associates: The Quickest Countdown You’ll Ever Love
Amazon’s standard window is about 24 hours. Historically, adding a product to the cart within that window could extend attribution up to 90 days for that specific item, but Amazon’s policies have shifted over the years. You should verify the latest rules in your dashboard.
Pros:
- World-class conversion rates.
- Huge catalog, easy deep links, and trustworthy brand.
Cons:
- Short window means anything that requires more thought than a toothbrush can slip through.
- Policy changes happen without confetti.
How to make it work:
- Focus on urgency: daily deals, limited-time offers, gift guides with calendar deadlines.
- Use comparison charts and “best pick” blurbs to push quick decisions.
- Publish reminders and refreshers around key shopping days (Prime Day, Black Friday).
eBay Partner Network: Short Window, Smart Add-to-Cart Safety Net
eBay commonly credits within 24 hours for click-through purchases, with a valuable nuance: if the user adds a product to cart within that first day, you typically have up to 30 days for that carted item to be purchased and still be credited. This add-to-cart logic keeps you in the game for longer-than-impulse buys.
Pros:
- Auctions and collectibles convert well with bid urgency.
- Add-to-cart extends realistic buying windows.
Cons:
- You’re still living with a short initial click window.
- Inventory volatility requires timely content.
How to make it work:
- Encourage adding to cart in your CTAs.
- Surf hot auctions and time-sensitive listings; publish with urgency.
- For collectible or niche audiences, lean into scarcity and “watch this item” nudges.
Walmart, Target, Best Buy: Conservative Windows, Strong Brands
You typically see:
- Walmart: around 3 days.
- Target: around 7 days.
- Best Buy: often around 24 hours.
These are broad strokes and can shift, but they tell you the story: they’re not handing out 90 days like party favors. The trade-off is consistent conversion power and reliable reporting.
How to make them work:
- Time your content around retailer-specific sales and product drops.
- Use comparison articles that lead to a decision in a few days, not weeks.
- Offer seasonal buyer’s guides that get people clicking and purchasing inside the window.
Etsy on Awin: A Gentler 30 Days
Etsy, often via Awin, tends to offer around 30 days. For gifts, handmade items, and custom orders, 30 days is a civilized amount of time. People may browse for a week, ask a question, then return to buy. You’ll still get credit.
How to make it work:
- Gift guides, wedding and event timelines, maker stories—all pairs well with a longer consideration cycle.
- Feature lead times and shipping cutoffs so your readers plan and purchase well within the window.
Retail Summary Table
Retail Program | Typical Window | Special Nuances | Where It Shines |
---|---|---|---|
Amazon Associates | ~24 hours | Add-to-cart rules have varied by year; verify | Daily deals, fast buys, broad catalog |
eBay Partner Network | 24h click; 30d after add-to-cart | Add to cart within 24h extends | Collectibles, auctions, price watchers |
Walmart | ~3 days | Subject to change; check Impact listing | Fast-moving goods, home essentials |
Target | ~7 days | Big-box retail standards | Apparel, home, seasonal |
Best Buy | ~24 hours | Electronics-centric | Launch events, premium tech |
Etsy (Awin) | ~30 days | Handmade/gift cycles | Weddings, gifts, crafts |
If you’re purely chasing the longest window in retail, Etsy-type programs are kinder. But if you’re combining window length with brand trust and conversion momentum, Amazon and eBay still have a gravitational pull that defies pure math.
Content Publisher Networks: Choose Your Merchants, Choose Your Window
Networks like Awin, ShareASale, CJ, Rakuten, and Impact are less “one-size-fits-all” and more “pick-your-own-adventure.” Advertisers inside these networks define their cookie windows, so you’ll see everything from 7 days to 90 days, sometimes more.
Awin
Awin’s merchants often hover around 30 days, but a good number run 45–60 days, and certain programs will push to 90 when they’re confident in your audience fit. It’s also friendly to cross-device measurement across many programs.
Best plays:
- Use Awin’s filters to shortlist merchants with longer windows.
- Engage with the account managers; ask about private terms.
ShareASale
ShareASale is a playground of DTC brands with thoughtful cookie windows. It’s not rare to find 60–90-day programs. The interface makes it easy to sort and search by cookie duration.
Best plays:
- Make a spreadsheet of your niche merchants, their cookie windows, and EPCs.
- Reach out for custom boosts once you’ve proven conversion quality.
CJ and Rakuten
Both are strong with enterprise brands. You’ll often see 30 days, sometimes less, occasionally more when the advertiser understands a longer consideration cycle (travel, finance products, luxury goods).
Best plays:
- Look for categories where shoppers don’t convert in one day—travel bookings, high-end apparel, financial services.
- Ask about cross-device and identity-based attribution—these make 30 days behave like more.
Impact.com
Impact is popular with DTC and SaaS brands and gives advertisers fine-grained control over tracking. You’ll encounter 30, 45, 60, and 90-day windows. The tech stack is strong for server-to-server and deduplication against other channels.
Best plays:
- If your niche is subscription boxes or premium DTC, Impact’s brands often negotiate.
- Pitch your audience and ask for a window extension or coupon-based attribution.
Aggregators: Skimlinks and Sovrn/Commerce
These do the heavy lifting of link management for you and pass through each merchant’s cookie rules. They’re convenient, but you lose some direct access to negotiate a custom window. They’re great for large content teams where speed beats micromanagement.
Best plays:
- Use them for broad coverage and to test which merchants resonate.
- When you find winners, consider switching to a direct relationship to negotiate better terms.
Publisher Network Summary Table
Network | Typical Merchant Window | Control | Negotiability | Who Benefits |
---|---|---|---|---|
Awin | ~30–60 days common | Merchant sets | Good with relationships | Niche sites, EU markets, gifting |
ShareASale | ~30–90 days common | Merchant sets | Very negotiable | DTC niches, bloggers scaling up |
CJ | ~30 days common | Merchant sets | Negotiable in enterprise | Travel, finance, global brands |
Rakuten Advertising | ~30 days common | Merchant sets | Negotiable in enterprise | Household-name retailers |
Impact | ~30–90 days common | Merchant sets | Strong for DTC/SaaS | DTC brands, subscription services |
Skimlinks | Pass-through | Merchant sets | Limited | Large content ops needing speed |
Sovrn/Commerce | Pass-through | Merchant sets | Limited | Publishers optimizing at scale |
Digital Product Marketplaces: Longer Windows, Stickier Credit
If your readers are buying courses, software licenses, or coaching programs, networks like ClickBank and Digistore24 are more generous.
ClickBank
You commonly see 60-day cookies. Some vendors layer “sticky” logic, so once your reader buys, subsequent purchases tie back to you. Recurring billing commissions can turn one click into long-term income.
Where it shines:
- Info products with clear transformation promises.
- Health, finance, and niche hobbies where the sales page does heavy lifting.
Digistore24
Many vendors offer 90–180 days, and sticky behavior is common. If your audience likes to think before they buy, this longer window respects that humanity.
Where it shines:
- Bundles, high-ticket webinars, recurring memberships.
JVZoo and Similar
Vendor-defined windows can be long or even “lifetime” in spirit through buyer-ID tracking. This can be lucrative, but quality control varies. You want to vet offers carefully to protect your audience.
Gumroad and Others
Creators set their own cookies. You’ll see 30 days a lot, with exceptions both ways. Ask creators if they support coupon-code attribution; it’s a helpful backstop.
Digital Product Summary Table
Marketplace | Typical Window | Sticky Logic | Ideal Audience Fit |
---|---|---|---|
ClickBank | ~60 days | Often, especially for recurring | Course buyers, niche problem-solvers |
Digistore24 | ~90–180 days | Common | High-ticket, slower decisions |
JVZoo | Varies; can be long | Often buyer-ID-based | Internet marketing-savvy audiences |
Gumroad | ~30 days typical | Creator-specific | Creator-driven communities |
SaaS and Subscriptions: Where “Lifetime” Is Actually On the Table
You’ll find your best windows—and smartest attribution—in SaaS programs. While they may list a 60–120-day post-click window, once your referred user signs up with an email, many systems bind future purchases and upgrades to you for the life of the account.
PartnerStack
Commonly 90–180-day windows to account for trials, demos, and procurement delays. Add CRM and account-level tie-ins, and you effectively get lifetime attribution after that initial captured signup.
Where it shines:
- B2B tools with procurement cycles.
- Affiliate partners who nurture leads over weeks, not minutes.
FirstPromoter and Rewardful
These platforms integrate directly with the product and payment system. Once your user is tagged, you’re tied to the subscription as it lives, grows, or adopts a new plan. Your real challenge is the initial attribution window: 30–90 days is common to get the email tied back to your referral.
Where they shine:
- Creators and SaaS founders who want simple, correct attribution.
- Affiliates who educate and guide rather than rush a quick sale.
Impact for SaaS
Plenty of SaaS brands run through Impact and offer 60–90 days or more. You’ll often have recurring commissions. The attribution stack is enterprise-grade, helpful when sales cross devices and take a while.
SaaS Summary Table
Platform | Typical Click Window | After Signup | Best Use Case |
---|---|---|---|
PartnerStack | ~90–180 days | Account-level tie-in, recurring | B2B SaaS, channel partners |
FirstPromoter | ~30–90 days | Lifetime account attribution | Creator-led SaaS, membership sites |
Rewardful | ~30–90 days | Lifetime account attribution | Product-led subscriptions |
Impact (SaaS programs) | ~60–90 days | Recurring commissions | Established SaaS brands |
If your definition of “best cookie window” includes “keeps paying me forever,” SaaS partner platforms are the frontrunners.
So…Which Affiliate Network Has the Best Cookie Window in 2025?
The honest, not-trying-to-be-cute answer is: it depends on what you’re promoting and how your audience buys.
- For pure length: SaaS partner platforms (PartnerStack, FirstPromoter, Rewardful) and digital marketplaces like Digistore24 often give you the longest practical window, especially once a user account binds to your referral.
- For big retail ecosystems: you won’t beat the algorithm with a tape measure. Amazon has short windows but blazing conversion; eBay’s add-to-cart policy is the most forgiving among giants. Etsy via Awin is kind to thoughtful shoppers at 30 days.
- For flexible merchant choice: ShareASale and Awin are your best hunting grounds for 60–90-day retail programs. Impact adds strong tracking options with negotiation potential.
If you need one sentence: the “best” cookie window in 2025 is usually in SaaS-focused platforms where a 60–180-day initial window transitions into lifetime account attribution, but for retail, look to Awin/ShareASale for 60–90-day merchants and eBay for a sensible add-to-cart extension.
The Real Question: What Window Do You Actually Need?
You want the longest possible window until you realize you don’t need it for everything. Map the window to how your audience buys:
- Impulse buys: 24 hours can work if you control timing and urgency.
- Considered retail: 30–60 days supports research and price-watching.
- Big-ticket or gifting: 60–90 days covers browsing, budgets, and approvals.
- SaaS and learning products: 90–180 days supports trials and procurement, with lifetime credit after signup.
When the product’s decision cycle and your window agree, you win without arguing with physics.
How to Maximize Credit Even With Short Windows
You can do a lot with smart tactics, even if the program’s window is modest.
- Use deep links that drop readers right on the product they want. Fewer clicks, faster purchase.
- Encourage adding to cart where that extends the window (eBay being the classic case).
- Publish decision aids: comparison tables, “best for” blurbs, and FAQs reduce delay.
- Capture email on your site and follow up during the window with actionable reminders.
- Use merchant-specific coupon codes tied to your ID; many programs allow coupon-based attribution even when cookies fail.
- Ask for custom terms once you’ve shown results. “Can you extend my window to 60 days?” works more than you’d think.
- Stagger content ahead of seasonal deadlines. Urgency isn’t pressure if it’s honest.
A Practical Comparison by Use Case
Sometimes your niche chooses the network for you. Here are straightforward recommendations you can implement without needing a flowchart.
- General retail blog: Use Amazon for breadth and conversion; add eBay for cart extension, and layer in ShareASale/Awin merchants with 60–90 days for cornerstone guides.
- Tech review site: Best Buy for launches, Amazon for availability, and Impact merchants for premium DTC peripherals with longer windows.
- Gift and wedding content: Etsy (Awin) for 30-day breathing room; complement with boutique ShareASale merchants offering 60 days or more.
- Personal finance or travel: CJ and Rakuten, where many enterprise programs run 30-day windows but offer robust cross-device. Look for longer windows in niche travel programs.
- Digital courses and info products: ClickBank and Digistore24 for 60–180 days; choose creators with refund policies and consistent customer support.
- B2B SaaS: PartnerStack or a direct FirstPromoter/Rewardful program with 90–180-day initial windows and lifetime account attribution.
Advanced Attribution: When Cookies Aren’t Enough
Because browsers can’t resist being unhelpful, many programs augment cookies with other methods:
- First-party cookies: Placed by the advertiser’s own domain, more resilient to browser policies.
- Server-to-server tracking: Links your referral to the purchase without relying solely on the user’s browser.
- Identity graphs and login-based linkage: If a user logs in, future purchases on that account can credit you.
- Universal or program-coded coupons: Type-in codes that rescue offline or cross-device conversions.
- Deduplication rules: Prevents paying two partners for one sale—and sometimes hurts if a coupon site swoops in at the end.
Ask affiliate managers how they deduplicate and whether coupon usage overrides prior clicks. Sometimes “last click wins” really means “last click not classified as a coupon or retargeting ad wins,” and that nuance saves you heartache.
Glossary You Actually Use
- Cookie window: The time after a click during which a sale credits you.
- Post-click window: Same as cookie window, but broader than literal cookies (can include server-side).
- Add-to-cart window: A special rule where adding within the initial window extends attribution.
- Sticky or lifetime attribution: Once the buyer is yours, they tend to stay yours for future purchases.
- Last-click: The final referrer gets the commission.
- Multi-touch: Credit may be shared among multiple partners (rare in payouts, common in reporting).
Questions You Keep Asking (and Should)
- Does every new click reset the window? Usually yes, but only if your click is the last one before the purchase. Networks with strict last-click mean your link must be the final word.
- What if the reader switches devices? If the network has cross-device or login-based tracking, you’re safer. If not, you’re at the mercy of luck and habits.
- Do ad blockers ruin everything? Not everything, but they interfere. First-party and server-to-server approaches help.
- What if the buyer deletes cookies? Again, first-party and login-based attribution are your friends. Coupons tied to your ID also help in some programs.
- Can you stack windows? No. You can only live inside the one that matters at the time of purchase.
How to Audit Programs Before You Commit
You don’t need to guess. Do three quick checks before you bet your calendar:
- Scrutinize the terms: Find the cookie duration, cross-device mention, coupon policy, add-to-cart rules, and prohibited traffic sources.
- Run a test: Click your own link, make a small purchase, and confirm the tracking and approval timeline. Some programs let you do this; others will advise a test environment.
- Ask a human: Email the affiliate manager with three questions—cookie window, cross-device handling, and whether coupon codes protect your attribution. You’ll learn more from that reply than from a dozen blog posts.
Negotiation Tips That Actually Work
You don’t need ten million monthly pageviews to get a better window. You need leverage and clarity.
- Show your fit: Bring screenshots, audience demos, open rates, and prior conversion stats.
- Offer a trade: You’ll feature them in a seasonal gift guide or a newsletter series in exchange for 60–90 days.
- Ask for a coupon code: Even if they won’t change the window, a unique code can save lost attributions.
- Start small, then expand: Prove your impact with a single campaign, then request a formal window extension.
The Human Side: Matching Your Workflow to Your Window
This is where you make the cookie window work for you.
- If you publish fast-moving deals, build editorial routines that push updates within daily or weekly windows. Short windows stop being a problem when your content cadence is high.
- If you write deep research pieces, pick merchants with 60–90 days and evergreen SKUs; long windows let your work marinate.
- If your audience lives in their inbox, integrate email capture so you can follow up while the window is open.
- If you’re in B2B, lean into SaaS programs with trials and account-based attribution; your value is education, not speed.
A Reality Check on “Longest Wins”
The longest window doesn’t win if:
- The tracking can’t handle cross-device journeys.
- Coupon affiliates pull last-click credit at checkout.
- The audience needs hand-holding that the merchant doesn’t provide.
- Refund rates and clawbacks eat the higher commissions.
Focus on total earnings per 1,000 clicks (EPC) and your approval rates over time. A 30-day program that tracks well can beat a 90-day program that pays in “thoughts and prayers.”
Your Shortlist: 2025 Picks by Goal
- Longest practical windows for recurring income: PartnerStack, FirstPromoter, Rewardful (SaaS).
- Longest retail windows with mainstream brands: ShareASale and Awin merchants offering 60–90 days; Etsy via Awin at ~30 days is reliable for gifts.
- Best add-to-cart extension among giants: eBay Partner Network.
- Highest raw conversion despite short windows: Amazon Associates.
- Easiest way to get started across many merchants: Skimlinks or Sovrn/Commerce, then go direct for your top performers.
A Few Smart Workflows You Can Steal
- The “click now, think later” pattern: For short windows, pair your post with a newsletter nudging immediate clicks (and cart additions). Follow with a reminder email 24–48 hours later. Use clear CTAs like “Add to your cart to lock this in.”
- The “long haul” research pattern: For 60–90-day windows, publish a comprehensive guide with comparison tables. Add a soft CTA to download a checklist (email capture) and send two follow-ups inside two weeks. Add a price-tracking update midway through the window.
- The “SaaS nurture” pattern: Host a webinar or write a feature walkthrough. Include an FAQ with pricing examples. Offer a bonus template or SOP for signups using your link. Your initial attribution window is long enough, and the lifetime credit makes it worthwhile.
Example Comparison Table: Retail vs. SaaS Strategy
Scenario | Window You Want | Tactics That Fit | Likely Network |
---|---|---|---|
Daily deals site | 24h–7d | Fast updates, cart CTAs, reminders | Amazon, eBay, Target |
Gift guide blog | 30–60d | Seasonal calendars, lead times | Etsy on Awin, ShareASale merchants |
Course review site | 60–180d | Deep reviews, long-page CTAs | ClickBank, Digistore24 |
B2B software | 90–180d + lifetime | Webinars, templates, trials | PartnerStack, FirstPromoter |
Red Flags You Shouldn’t Ignore
- The program can’t explain deduplication rules.
- The “lifetime” claim has no written policy.
- Negative option billing or refund spikes that nuke commissions.
- “We pay on the 45th of each month.” That’s not a real day.
The Bottom Line You Can Act On Today
- If what you want is the best cookie window, lean into SaaS and digital platforms that give you 90–180 days and then tie the account to you—PartnerStack, FirstPromoter, Rewardful, Digistore24. That’s the practical “best.”
- If you’re retail-focused, curate merchants in ShareASale and Awin with 60–90 days, and keep eBay in your mix for the add-to-cart extension. Use Amazon as your high-conversion safety net for moments when speed matters more than length.
- Whatever you choose, verify the current terms, test tracking, and negotiate. The window is not a law; it’s a starting point.
A Friendly Nudge Before You Go Compare Links
You can chase a number or you can build a system that makes the number work for you. Pick networks and programs that match how your readers decide, then set up your content cadence, email timing, and CTAs to keep the purchase inside the window. If you do that, “Which affiliate network has the best cookie window?” turns from a trick question into a list of reliable checks on your to-do list.
And if one program refuses to budge on a short window while another offers 90 days and a smile, you already know which one will be more fun to work with.