ok, sounds like RAF is worth the cost.

So now I'm trying to make sense of this quote about RAF level granting from the Wiki
2. X refers one account and then the rest link to another account from there. Ponzi at it's finest:

X>A
A>B
B>C
C>D

Offers many granted levels to toons accounts X,A,B, and C and 4 zhevras, but you can't use your 70 main to boost. This configuration does not require any single toon to be on for XP, but does require the proper pairings to be present in a chain of the referrals to get the XP. In this set up D gets no referral levels, while C gets levels from D, and X, A, and B all get levels from the referred plus levels gain extra referred levels because the referring account gets referral levels while accepting the referred levels. _someome please rewrite that in 4 paragraphs or less for me_
Partilcularly the part about:
X, A, and B all get levels from the referred plus levels gain extra referred levels because the referring account gets referral levels while accepting the referred levels.

does that mean that:
If Account C is granted levels from Account D. Account C can then use those levels to granted levels to B, A and/or X.

Example:
Account D has a level 60 Character, it grants 30 levels to a character on Account C.

Account C now has 15 "free" levels to grant to Accounts B, A, and/or X