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I know what you mean. I think that over 90% of the offerings are not going to work. However, I don't know which will and which won't work. So, let the free market sort it out. Let people learn by investing and then losing money. That is a damned good teacher! Just don't invest more than you can afford to lose --- old adage and still good for us today. Thank you for visiting @elitewizard407. Nice to have you stop by.