I cannot quote the when, the how much, or the to whom, but I think that they have forfeit on loans in the past. Which is why they have been sued by persons such as furniture companies. I absolutely do believe in the science. And I am very impressed with the level of quality of their recent associations with people and groups such as Dr. Andrews, GAIN, etc. But there is just too much of this "to da moon" crap going on here. It is irresponsible at the least and it is just wrong. I own stock in this company and I am betting on this company. But they have defaulted on their loans in the past, and to say that they have not is just wrong. In my opinion.