As someone who has recently been through this process let me share a couple of things I learned. I only have 2 local dealers of H&M and one was definitely more knowledgeable than the other. However, even the more knowledgeable one did not know about all the programs H&M offers because some apparently require buying into them or have other requirements and that store chose not to participate. Sales people are generally not aware of lines their store does not carry. If you are interested in a particular line you might want to call to see if they participate. I can’t remember which lines they are but I think the “Your Way” program might be one.