ERROR: "However, only .5 percent of the money the consumer spends goes into purchasing carbon offsets. The other 99.5 percent goes to the bank."  The rest "goes to the bank" only if you forget that they're actually paying it on (net of 2-3% merchant fees) to the people that actually sold you the stuff.  Blatantly incorrect, so I'm fixing it; too bad most WP citations are to random stuff on the Internet.