; and (2) clearly communicates such terms in its recruiting literature, sales manual, or contracts with participants, including the manner in which the repurchase is to be exercised and disclosure of any inventory not eligible for repurchase under the program. Commercially reasonable means, with respect to the terms of repurchase by a plan or operation of current and marketable inventory from a participant, that the inventory is repurchased not later than 12 months after the date of purchase at not less than 90 percent of the original net cost to the participant, less appropriate set-offs and legal claims, if any. Compensation means the payment of any money, thing of value, or financial benefit. Consideration — (1) means the payment of money or another thing of value or the purchase of a product, good, service, or intangible property; and (2) does not include— (A) the purchase of a product or service furnished at cost to be used in making a sale and not for resale; or (B) any time and effort spent in pursuit of sales or recruiting activities. Current and marketable — (1) means, with respect to inventory, that the inventory— (A) in the case of consumable or durable goods, is unopened, unused, and within its commercially reasonable use or shelf-life period; and (B) in the case of services and intangible property, including internet sites, represents the unexpired portion of any contract or agreement