Maryanne ... you have NOTHING to apologize about. I have had no problem at all with anything you have said and I am pleased that you have been able to look in to any issue I may have raised. It shows that you are willing to investigate the things that (I hope) you may not have thought about (or you had already thought about and so knew the answers).
My main concern here (and with any other program that has been or may be presented on this forum) is that people understand exactly what they are doing before spending any funds. If I can tear shreds out of a program and still have members explaining why it will work then that is fantastic. It shows that the program may very well have merit ... however, I can cannot (and will not) allow a program that simply does not make sense or does not have the numbers 'add up' to go unquestioned. If I did not question a program that later cost a member here funds (whether they can afford those funds or not) I would feel as guilty as I would if I had personally introduced that member to the program.
I really hope this does go well for everybody and I had the funds affordable to me then I would also be in it ... still questioning it, but in it.
Now Russ mentioned his rules above and I would like to add one myself, although it is more a guideline than a rule ....
NEVER put all you eggs in one basket. Spread your investments (or gambles) around. With nothing more than the law of averages, something, someday, will pay off.
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