Michael Francis lending his own money.He is on board of directors and a principal stock holder.He must be confident of our future.BioNeutral anticipates 1.3 mil.in tax credits for 2014 approved by state of N.J. To the posters who claim this company is a scam and does not exist,they are a joke.I use this product weekly in my contractor services company to remove mold from decks,siding ,crawlspaces ect. I keep 2 gallons in stock and purchase as needed from Amazon.You can find Ygiene and Ogiene for sale on Amazon,SpectraSan,Alpha pet, Quip Labs ,Sears and others.It sure is easy to purchase for something that does not exist.