How in God's name could a loan by an insider be viewed as a negative. The problem comes when the insider is loaned money by the company. Check out what happened with the Savings & Loan disaster in the 80's. Not one failed from borrowing from insiders. They all failed from loaning to insiders. On top of all this talk we are all speculating about a loan that does not exist. I am impressed by the Calypso people I have seen and researched. This appears to be a young pup company working hard to be a player in a tough business. These message boards can be a decent source of information but also give competitors a chance to bombard the boards will garbage to put doubt in the minds of potential investors. Mr. Schilling does respond to my E-Mails quickly and politely. Of course I state my investment position and sign my E-mails with my full name and address.