First of all, no need to be argumentative toward me! Second of all, I'm trying to understand why people see a warning about not FE'ing, do it anyway understanding the risks, and then blast SR for not giving them their money back when it goes badly ... even though SR warned never to FE b/c getting scammed was a serious possibility. Also, again, no need to pick a fight with me - I'm trying to figure out how I can help, and so I'm trying to understand the situation better.