Travis, I have my hand in alot of stocks going up such as FLO for one. It went down tremendously after posting great profits but it wasn't as much as the stock market people thought it would. However, I have doubled my money in FLO in the last 7 years even with the recent downturn in price, and it is not going anywhere. It will go back up and is on it's way now because people buy alot of bread in the spring and summer. They are the ones that bought Wonder Bread, Sunbeam, and are Nature's Own bread. I just figured putting some money in HCTI was a wise idea. I can only loose what I put in, but I can gain a whole lot more than I loose. I am wise not to invest any more than I can afford to loose.