Penny-Scams like HPIL use toxic lenders for insider-enrichment. I have no sympathy for these blatant scams. Gamble on them at your own risk. Exactly! Just wanted to say... thanks for stating the blatant truth about these blatant scams. I watch one scammer (really more than one) that gets the money from the toxic lender and then bails... he knows he won't be touched.... B U T he got his money ... that's all that matters. he also doesn't pay his rent.... sounds familiar, huh.