if hrct hasn't been able to pay their 2 top executives for the past 3 months, it says volumes why Carie left. i have never heard of a company operating like this unless it was one (unfortunately), that was almost belly-up. it's sad but the signs have indicated as much for several years now. phan was the ultimate hustler. i will give him credit for that but it doesn't mean i respect him one bit. while some here get angry at the ones that are just trying to point out what has happened and is presently happening with hrct, the same ones seem to be tickled chitless with the very ones that have taken their hard earned money and left. still, i wish you luck with recovering much of your losses but guys, it doesn't look promising at this point.......hb