Never forget that greed is usually what causes these problems and greed will destroy this country if we are not careful. My heart goes out to those inocent folks who invest in things that feed the greed....Just be thankful if you are guaranteed a return for allowing the use of your money for a period of time if you allow them to use 100,000 of your money for a year and you get an extra 1,000 for that 1 year thats 1,000 more than you would have had if you didn't do it ...Or if you allow themto use 250,000 for a year and you get 2,000 back in a year thats pretty good i think but i'm no bill gates ....