RE: Fraud Management Well Rook, I guess I only have 3 words to respond: Time Will Tell. You have your opinion, others have theres, the only thing in between who is right and who is wrong is time. The time it takes for everything to come out in the wash. If you are right, you saved some cash by not investing in GCU. If you are wrong, you will have made significantly less than you could have. I don't know what the future holds, I don't have a crystal ball.