LOL, I don't know how much we disagree. I can agree with what you said there. What we are both saying is more than enough for oversight, and to see better safeguards in place. There should be laws requiring disclosure that simply do not exist now. With the ease of transferring funds due to the advent of the internet, crowd-sourcing rules are needed today, not tomorrow or next week or whenever we get to it. Change is slow and inevitable, but this model needs to be corralled in now, because it's gaining serious traction, worldwide, and consumers are NOT protected at all.