I've never heard of Top of the Line - sorry. CTMH I'm VERY familiar with, much to my husbands dissapointment! LOVE pretty much everything from their line, especially the background & texture papers. I've been known to plan my children's clothing for pictures around those papers! I also really like their My Reflections Collections, which is paper and "my stickease" which are stickers. Love their embellishments too. I'm not fond of their linen albums, but love their leather/imitation albums, and their speciality albums. I like the stamps MUCH better now that they are acrylix, I don't really like rubber stamps. I've always had really good luck in dealing with my consultant too - she is very helpful and it seems that the company is decent. I don't know about commission, but I know she has a minimum of $300 per quarter to stay active, but they have a junior consultant program and I think that's $300 per year.
Let me know if there's anything else I can help with.