WOW,What a wonderful investment opportunity, my wife and family decided to invest in to secure our family's future financial needs. But I guess there are risks in every decision me make in life. I am sure little Tim will understand that we could not afford to give him that life saving operation that he so desperatly needed. But at least he told me in confidence [ before he passed away] that we were doing the right thing. I am so happy he forgave me for being so stupid for believing in all this BS investment chit.