Friend + Referral = Compensation

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First, lovin' this Concrete5 thingy. Cool. New. Still learning... Looking for simple direction - a pointer if you will.

I see "users" as people who login with permissions as to what they can edit in order to build / contribute to the site. Nice. Except I'm thinking different:

Can I build a "customer" login where they create accounts wherein only they can see their own uploaded files, billing, etc. I'm not selling Internet stuff - I'm trying to manage files/billing for customers that I deal with locally.

Plus, if possible, can I build a "referral" system where a "registered/logged-in" customer can "send an email" about me to another member in their company and thus "register" that referral so that if that newly informed person becomes a customer of mine then I can reward the first with a discount/revenue stream of some sort? I know that's pretty heavy programming - but I'm wondering if there is an add-on for such a thing. For example, does e-commerce have that capability? I don't seem to think so but I'm not sure.

I don't wish to drag anyone into my mud pile, but a birds-eye view of someone more advanced on what's the present capability of Concrete5 would be wonderful.

BTW: Nice program guys. Good solid work. Great documentation on the basic stuff. Super nice.

Ricalsin