All the facts will come out in due time. Until they are out none of us know the facts and all is speculation. Our system requires that a person is innocent until proven guilty. Look at what is going on with one of the other FLD's. Are those brokerage firms guilty of crimes or do they have valid reasons for doing what they did. For all we know they reported their FTD's to regulators and the regulators asked them to hold up on buying them in until they saw just how large the mess was. Just as we should not make judgements that those firms are running criminal operations without having all the facts the same open mindedness should be extended to Monk. Meanwhile lets talk about what a neat little company CDIV is. Just amazing that as a startup they have not increased the outstanding by a single share in over a year. Keeping overhead costs to a minimum and seeking new sources of revenue while the main goal is to become Apples number one supplier of game apps all available for less than .02 per share. High risk vs high reward and not for those who are not risk takers. Go CDIV!!!