Then you need to go back and re-read it. What they are doing is brilliant. However, if one has no business background then they may be confused or simply not understand what they are reading. Not saying you don't Dan. But from many of the posts I am reading from multiple peeps after they read the letter I truly wonder what the business knowledge and education is on some of these posters. This is an awesome PR with a brilliant business model structuring a way to finance growth in an industry that lacks financing.