MaybeIts totally possible that fobi is a group intent on sucking money out of investors. I just dont see it. Since november they have tried to convert multiple contracts but failed in the big ones. We dont know why. They converted a whole lot of little ones fine. It has always seemed to me that the most likely cause is that they are still getting up and running and who wants to be the first and gamble with customer reactions. If fobi is too heavy handed in coupons ect then others will take the blame. Add to that they are finally hiring all the staff they need to keep the marketing/promotions written and everyone is going to be new. Its a startup....things are not predictable yet.(hence the price) Doesnt mean they are crooks looking to suck up investor money.