CDiddy: Mutually exclusive? No. But at the same time, how many here would say "Oh well, if I lose my $20,000 investment, that's totally fine, because I was trying to help people and it just didn't work this time. Now would someone please pass the Grey Poupon?" A philanthropist or hero does not do something with the hopes of financial gain. Personally, while I DO want to help people, in this case, I am an investor, not a hero. But again, thank you for the sentiment.