Gee, I know this new math has come before my time. The complaints about using stock at any rate or discount will have a value of X. Algebra 1 students are confused at first as to what X stands for. So we are going to say X sands for the shares they own and Y is the stock that they will get in interest on X. So they will own X+Y each time a payment comes due. Now we know they have not sold any so lets assign z as to what X+Y=s. Now some are forcasting NNVC will go to ZERO$$$s. What value will z times zero$$s =? Maybe I am wrong, but anything times zero = 0. Why complain. They are receiving 0 and will lose what ever they have put up!! Or is the old math wrong?