Find the answers to your questions, regarding private placement platforms, below

Private Placement Platforms

Frequently Asked Questions

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PPP

This is a good question and is one that some others have asked.  It is appreciated that less professional brokers of PPPs have been known to shop investor paperwork around, looking for acceptance at a platform.  Then the investor starts receiving calls from unknown parties who have received his private information.  Naturally this would be very unsettling. Thus please consider the following points.

  1. The first thing to realize is that absolute privacy is already nonexistent, before even coming to us.  Credit data on just about everyone who has a credit history is already available on the underground dark net.  Intelligence agencies already have everything about everyone in real time.  Any money of any significant size is already showing on screens, along with everything about its owner.
  2. We are not a broker chain and we do not shop investor KYC forms.  Our partner, who vets investor forms before submitting them to the trade team, has an MBA from The Wharton School of Finance and a Masters from The Lauder Institute of Management and International Studies, plus over 10 years experience in Alternative Investments.  We are professional in our handling of confidential information and we guarantee the nondisclosure, non circulation, and protection of all proprietary investor data.
  3. The most sensitive information is not requested in the initial intake documents.  That is only requested later, after the contract is signed, and it only goes directly to the trader.  It is never needed by the compliance officer or the intermediaries.
  4. The client’s Social Security Number is not required.
  5. Most owners of substantial capital, such as $10 million or more, know that they should never deposit it at the ordinary street retail level of a bank, facilitated by the lowest paid bank clerks.  That raises some small risk of fraud and attempted theft by such employees.  Rather, most high net worth owners of capital do their banking at higher levels of the institution, typically called private banking, where much greater security is routine.
  6. In the PPPs, since the cash deposit or BI is required to be a top 25 bank, there is nominal Financial Institution risk.  These trade programs only occur among top 25 banks with AAA credit ratings, which is better than the US Federal Government, and the US Treasury is considered to be the “risk-free rate”.  In addition, our particular recommended PPPs ONLY operate on Tier 1 platforms - - meaning we deal directly only with the highest of the high level traders.  Not only are they of the highest integrity, but they also have the greatest proven credibility and reputation in the industry.  They stand to gain endlessly more success by continuing to honor the client’s rights, and they have the most to lose by not doing so.
  7. It is suggested to obtain and use a Protonmail email address with us.  Protonmail has the most invulnerable email encryption in the world and protects email attachments as well, but only if the email is between one Protonmail user and another.  For further reasons why we use this medium and the link to obtain your own account, see https://brillianceincommerce.com/protonmail.

In a word, yes.  References of satisfied customers are not allowed due to the privacy, confidentiality, and nondisclosure, but we have been seeing successful completions of these program payouts since the 1990s, including currently and presently.  So YES, clients are currently getting paid and the cash is flowing.

Yes.  Here is the list of acceptable banks - https://accuity.com/resources/bank-rankings

It varies from account to account.  If the investor put in $100M or more, it can be pretty quick, like within one week.  If he is putting in less than $100M, then the lesser amounts have to be aggregated before entering into trade.  It is unpredictable how long that will take, but it is generally under one month. And when we say "aggregated", remember, they're not touching the investor's principal; but they still have to aggregate the 1:1 lines of credit issued on the basis of the investor's capital committed.

The possibility of this is more answered on your side than on the trading team's side.  The reason for this is that no, the trade programs do not allow pools. They also do not allow borrowed funds.  So a group of investors could be assembled and their funds could be pooled in an LLC or corporation, but it would be illegal to inform them that their money is going into a BIIP.  It would be illegal to advertise it. It would be illegal to tell them that their principal capital is guaranteed or that the returns are guaranteed. This is because the trade platform does not accept pools and will not be responsible to multiple parties.  Therefore what investor would put up any money under conditions like that? "We can't tell you what your money is being invested in, and we can't promise any guarantees on it." Nobody would be interested in a deal like that. One LLC director or corporate president can serve as the signatory on the funds in that corporation, but remember, the trade platform require proof of history of funds - - where the funds came from.  If it is revealed that the funds came from smaller contributors who are expecting a return, the fund will be rejected. Only a single lump sum of capital controlled by a single signatory, or maximum two signatories, is permitted.

That's because the table in the spreadsheet was converted to a chart and was included in the text herein, inter alia, at https://brillianceincommerce.com/private-placement-platforms.

Yes, the investor can stop at any time.  He can remove his capital at any time. If he does, of course the returns will stop and most likely he will never be invited again in the future to participate, unless he had a really good reason for terminating, such as some kind of major disaster beyond his control, creating an emergency that merited the urgent need for the funds.

Yes, you can download it at this link: https://s3-eu-west-1.amazonaws.com/f3files/GENO-Tempate.docx     It's a 1-page Word document.

Russians may participate, and if they have over 100M in Sberbank, there is a platform that can work with that.  We've never heard of any other Russian banks being accepted, though.

North Korea and Iran are excluded from participating in these trade programs, as are their citizens.

The company can be a C-Corp or LLC or Trust or Foundation . . . as long as they have a Board Resolution appointing the signatory on the bank account to represent the company, as worded in the Corporate KYC template, that is fine.

That depends upon how many intermediaries there are.

        There are usually 5 points to split between us.  We generally split that 5% equally. So if you are direct to the investor, that means there are three of us.  5% divided by 3 = 1.67%. So unless there is a variation on the particular deal, your percentage would be 1.67% of the total the investor receives, each time he receives it, if you are direct to the investor.  It is not deducted from the investor’s amount.  It is just calculated on his account.

Intermediary fees are paid out of the Investor/Client's portion of the trade proceeds.  The investor is not responsible to pay them. If is is a standard 40 week trade contract, the intermediary commissions are paid directly by the platform.   However, in special situations, such as in compounding arrangements, the investor-client becomes responsible for paying the intermediary fees.

A bullet trade is a lump sum payment, one time.  A 40-week trade goes for 40 weeks and is usually paid weekly or biweekly.  Bullet trades only become available a few times per year. Some pay in 24 hours; some pay in 10 days, and some have a 40-week contract that go with them.  Meaning, that it may pay a lump sum payment in a few days or week, after which the proceeds can be added to the capital committed to the program for a 40-week contract.  Keep in mind that the details of deals change every week, so it is impossible to predict in advance exactly what kind of deal your investors will get. Generally the larger the investor's capital, the more choices he will be given.

We have signed hundreds of NDAs since the 90s and had client sign them, but have generally found that they're not worth much.  It's really up to you. But if it is for the purpose of avoiding circumvention, don't worry about that. The trade team itself includes non-disclosure and non-circumvention in its own contracts signed with the investor.  In other words, the investor is required to agree to non-disclosure by the trading team itself - - which the investor will respect a lot more than one from you, because he will be getting his money from the trade team. To ask him to sign one with you may not do much good, and it would be redundant, because the investor is already under non-disclosure with the trade team.

Intermediaries get signed into the deal that the investor-client agrees to with the trading team.  First the intermediary makes the introduction and lets the client submit his KYC intake documents. Then if he is approved and invited, all intermediaries will be brought into the documentation at that point.

Any time you are ready.  The bankers usually take their vacations in August and from mid December to mid January.

Some other clients with 100M+ Invested

https://www.investopedia.com/terms/s/secondarymarket.asp   The secondary market is the public market, for stocks in US that's the NYSE, and companies have to IPO onto the NYSE.  For Medium Term Notes, Euroclear lists the MTN in the secondary (public) market.

Anybody with enough money can buy MTNs listed on Euroclear.

An individual, trust, or corporate entity is fine.

Intermediaries are not part of the NDA nor the Contract / Investment Agreement and as such are not supposed to know the details of the contract, but if they do, they're still not supposed to disclose it.  An intermediary can discreetly show payment of their intermediary fee, since they are not part of the NDA, but they cannot disclose the name of the Platform nor the name of the Client/Investor.

Only working intermediares should be listed on the GENO . . . everyone else should be covered by the working intermediaries under a sub-fee agreement.  Working intermediary means they've spoken directly with the client and are actively involved in getting the file able to pass Compliance.

Trustee info should be listed if a trust, or corporate officer info should be listed if a Corp.

Yes, except their EIN and banking info will be requested by the Paymaster at the appropriate time.

Master Commitment Holders and Commitment Holders are Investor/Clients.  If trading is on a best efforts basis, then the Platform/Trader usually splits the GROSS trading profits with the Investor/Client 50/50, then the Investor/Client pays any fees out of their gross 50%.  Total distribution of profit per tranche: 50% to Platform/Trader, 50% to Investor/Client. Of the 50% GROSS to Investor/Client, the Investor/Client NETs 85% of that (85% NET), because of the typical fees of 10% PPA for Platform Fees (bankers and attorneys), and 5% to Intermediaries.  However, when the Investment Agreement lists a contractual return, the Platform/Trader just pays the Investor/Client the stipulated amount and keeps the rest, regardless of what the Gross trading profits per tranche were, and then the Investor/Client pays the 10% PPA and 5% intermediary fee as usual.

Some other clients with 100M+ Invested

Typically trading occurs Mondays through Thursdays.  They adjudicate on Friday, and the Transaction Paymaster pays everyone at same time.

No BIIP platform on the planet accepts anything but cash in USD or EUR, or in a few cases, GBP.

All investors who have assets in other forms must liquidate those assets first. Borrowed capital is acceptable if it does not have a lien or encumbrance against it. This rules out mortgages. It is rare for anyone to have borrowed capital of the size required for the platforms that is free and clear of any liens or encumbrances.

Thus for someone who has real estate and that is their only source of cash, they would have no choice but to sell the real estate and then place the cash proceeds into the platform.

With unsurpassed returns and zero risk, the BIIPs available through the platforms are by far the best investments in the world. The price one has to pay to get into them is to come with the required level of cash - - clean, unencumbered, free and clear, of non-criminal origin - - and a nice, respectful, cooperative attitude.

The answer is yes and no. We will start with the "no", so the "yes" will be more clear.

Please understand that it is not just “our" platforms that do not accept bonds. No legitimate and authentic working and performing bank instruments trading platform on the planet accepts anything but cash USD or cash EUR. No other assets. When we say "cash", of course we don't mean physical currency. We simply mean United States Dollars in a bank account, or Euro Dollars in a bank account. No real estate, no gold, no oil, no SBLCs, no BGs, no bonds, no non-cash assets, and not even Swiss Francs or Japanese Yen.

They only work with USD or EUR. Period. That's it. 100%. That's the ONLY thing they accept. Cash is king. Please keep that in mind. Anyone who tells you otherwise is telling you a story. Of course if the client has capital in a major currency that is traded on the Forex, other than USD or EUR, the platform might accept it, but only because it is instantly convertible to USD or EUR. The trades are only conducted in USD or EUR.

But the "yes" is coming from collaborations with monetizers that are not the same as, but that are connected with, the platforms. We have not one, but several connections with monetizers for assets and for entry into bank instruments trading programs. Nevertheless, our question to the owners of the bonds is, why don't you just sell them and put the cash into a BIIP PPP? You're going to make a whole lot more money doing that than holding on to them. It is slower and more complicated to monetize them.

As often happens, a lot of stuff gets presented to us because the purveyors have something worthless that they couldn't get value from anywhere else. Their bonds are so exotic, or their other instruments are so questionable, that no bank will touch them and no legitimate monetizer or platform will touch them either. So they come to us, shopping it around. We've been seeing this ever since the early 1990s. It wastes a lot of time. If the owner could get their instrument monetized successfully, that means he or she could also get it outright sold. And if he can't sell it, then it may be unlikely he could get a line of credit against it either. So why did it come to us? You see the point?

Nevertheless, we have several genuine and major sources for monetization of assets. Their minimum value for consideration is 150M. We cannot know whether the actual instruments qualify until they are analyzed. But at least if the appraised value of the asset is at least $150M USD, it can be considered.

Naturally lots of questions would arise. For example, on the sovereign bonds, how old? How recent? And which country? But rather than getting into a long Q&A session about it, the best thing for us to do is for you to submit the paperwork on them to us, and we will have our people look it over.

Suffice it to say, if anyone on the planet can do something with them, we can. And if we can't, no one can. Therefore you have come to the right place to find out.

Previously we have written that BGs, MTNs, and SBLCs that are leased are not permitted for entry into BIIPs on the PPPs. However, further discussions have illustrated the need to unpack that concept and bring it more into focus.

Leased instruments cannot be placed into trading if the signatory on it is the lessee. It would be great to find a way for that to happen, however the ledger cannot be transferred therefore it cannot be blocked and traded. Alternatively, if the asset holder (the entity holding the actual cash) is willing to issue an instrument without any liens or encumbrances and have the client become the beneficiary, we would then have an opportunity.

A leased Instrument can be traded, but 95% of the time it isn’t, because the owner will not issue a block 760, 799 or even a MT542. It is usually leased for credit enhancement only. Unless the asset holder will join in the trade with the client (lessee), then they will not release or block the instrument for the use in a trade.

In some programs yes, and in some programs, no.  The paymaster we use is mandatory for certain programs because our group has had tremendous success with him for years.  He has an international reputation for efficiency, fairness, compliance, honesty, timeliness, reliability, and accuracy on payouts to everyone - - from clients to intermediaries and anyone else contractually agreed upon to be included.  It surprised us that he is even favored by the Zurich program in Switzerland.  You would think they would have their own local trusted paymasters, but they use ours!

Yes, but the term “monetized minimum” could be confusing.  The LTV must be $100M+, and most assets get discounted by 33% or more.  Preferably the asset would be worth $200M+, so that there is plenty of room to be above $100M after the LTV discount.  The figure $150M is just a benchmark.

Not for BIIPs.

Yes, same.

No.  This only happens in large cap programs, and even there, it comes out of the gross, not out of the client’s net.   Every bullet program is different.  Most of them do not deduct anything for projects.  The returns quoted are net to the investor after all fees, commissions, etc.

They do not have a way for anyone to apply for them.  The trading administrators already have databases of projects to choose from, so they don’t accept applications for that.  But you’re asking good questions.  The way for you to gain funding for your project is to find a wealthy investor and then have him or her, or “it” if it is an institution, participate in one of our zero risk platforms and share a percentage of the payouts with your project.  That’s how it is done.  That is a win-win-win situation, because the donor never donates his principal capital.  Instead, he increases his capital and multiplies it with zero risk through our platforms . . . so he wins there.  Your project receives whatever percentage you have negotiated with the investor.  The Earth and humanity win when the compassionate and benevolent benefits of your newly empowered project roll out.  The trading team wins due to receiving its fees deducted from the gross proceeds, and the introducing intermediaries win via the commissions they earn.  There are no losers.

As with every other sector of business and industry in the world, which has been a mixture of virtue and vice, so the bank instruments trading industry has had its share as well.  By the 1990s, risk to investor principal capital had been reduced to pretty close to zero, by the use of bank guarantees, and later, even better, the reserve account, in which the capital simply stays in the investor's own account.  But that privilege was available only to the $100M+ clients. 

Even so, while the $100M+ investors enjoyed positive performance and no losses, those with less than 100M were often subject to scams, because they weren't given the proper protection on their funds.  That made a bad name for the industry among the "small cap" investors.  At the same time, the industry was putting out smokescreens, denying its own existence in high profile publications.  This effectively made it next to impossible for small cap investors to participate safely, and equally as difficult for introducing intermediaries to earn commissions by consulting in this field.  And, in the 1990s and early 2000s, the global financial system in general was more dominated by negative forces. 

Today, since about 2018, we have been fortunate in that much of the bad energy has been cleaned out.  Many bad actors have been removed, computers have improved, safety mechanisms have evolved, integrity in the industry has increased, and now we have discovered who some of the benevolent administrators are.  These are the ones with whom we are now associated.  We refer to them as "white hats", meaning people in power who are using that power honestly, for generous and life-supporting purposes, and whose good words are seen to be backed by heavy investments in humanitarian projects that are truly uplifting the world. 

Those of us who serve as consultants in this field now have the added joy of bringing candidates to these white hats - - and watching the programs perform as promised, as contractually agreed, and with the same zero risk reserve account protection at the 1M level as used to exist only at the 100M level.  Now our 1M+ investors are being given the same VIP treatment that was only available previously to the 100M+ investors. 

Another problem that used to be rampant was circumvention.  A consultant like myself would work hard to bring good clients, and then other brokers would take them and give no credit to the originating introducer, in spite of non-circumvention agreements.  We do not suffer from this problem any more, because we have finally found and developed good relationships with the right authorities at the pinnacle of the industry. 

Ironically, now we have more of a problem finding nice and open minded clients.  Now that we have high integrity platforms that are performing, we face the new problem of finding clients who are able to overcome the "too good to be true" meme, and who don't come to the table with a "prove it to me" attitude.  So now we HAVE fantastic platforms with proven success and demonstrated integrity, so it is amazing to us how very few investors are awake, aware, alert, smart, intelligent, and wise enough to participate.   It is very simple to qualify and get the invitation.  Besides having the requisite minimum capital available, they need to be just plain decent, polite, cooperative, and open minded.

As stated inter alia, the BIIP industry provides the greatest investments on the planet, but the price newcomers have to pay for this is having no means of verification in advance - - except verification of the 100% absence of risk to one's principal capital.  That is the only thing you will be able to confirm in advance, before committing, by examining the contract, and by seeing that you are left in control of your capital - - that you are never asked to turn it over to anyone else.  That much can give you peace of mind.

But other than that, you must be satisfied to have no references of satisfied customers, no advance proof of payout performance, no BBB listings, no public record of the integrity of the players, and so on.  The only way most investors have ever seen proof is if they were fortunate enough to have a friend who did it and the friend would show them the proof.  If you don't have that, then you will just have to be content with allowing the contractually agreed upon time pass to see the payout performance for yourself.  But the fact that your capital stays safe in your own hands means that due diligence on the parties involved is never necessary for you.  This is because you will not need to trust anyone with your principal capital except yourself.

That’s an excellent question - - thank you.  The compliance departments look to see: That a candidate can show verifiable proof of the sufficient minimum cash required in USD or EUR, or a currency instantly convertible to USD or EUR;

That such capital is shown to be solely owned or controlled by the individual signatory signing on the trade contract;

That such signatory's KYC checks out as authentic;

That this signatory is not blacklisted in the BIIP industry.  Blacklisting happens when a client breaks a previous contract and pulls out prematurely.

That this signatory's funds are clean, clear, of non-criminal origin;

If it is a tear sheet program, that the funds are in an acceptable bank (see https://accuity.com/resources/bank-rankings);

That the prospective client is polite and respectfully cooperates with the intake procedures; and

That the prospective client doesn't demonstrate a "prove it to me" attitude. 

You need not worry about this unless you are coming in with 500M or 1B+.  At those levels, more and more attention is paid by the trading administrators as to what the recipient is doing with the money, to make sure they're not buying arms for guerilla groups, funding drug trade, or other illegal or harmful projects.  As long as it is seen that the money is going to generally harmless, constructive, and life-supporting purposes, the client is fine.  That is why at the large cap levels, information on the projects to which the money is going is requested. 

Examples of acceptable projects would include helping the homeless, the disadvantaged, orphans, children, abused women, disaster victims, refugees, the rain forests, provision of clean running water, organic agriculture, cleaning the oceans, bringing out new free energy inventions, housing projects for the poor, infrastructure projects anywhere in the world where they are needed, and so on.  The list is very long.  Basically it would include anything that most everyone would agree is making the world a better place.

No, it can be a week or two, if the client's money is ready and everything checks out.  If there are no glitches, red flags, failures of KYC compliance, or failures to cooperate, it can go quickly and smoothly. 

Now you mentioned "trust account set up".  That is provided by Brilliance in Commerce (BIC), not the trade platform.  Trust setup can be accomplished within a couple of business days from the date of purchase, but part of that timing again depends upon the client.  This is because the client must know who will be the two trustees, who will be grantor, and who will be beneficiaries, in order to put this information on the Trust Client Information Form.  That is a prerequisite to the trust being written.  But once the form is submitted, then the trust can be issued within one or two business days. 

If you are applying for a bank instruments trade platform and you want to get it going quickly, you may want to apply in your individual name or in the name of any existing legal entity you may already have, to get it going.  Then once that process is moving ahead, you could turn your attention to setting up BIC's House of Freedom International Natural Law Trust, and not feel pressured about the timing of it.   Once that is set up and the bank account is opened for it, you could then perhaps ask the platform to change where they send your payouts to the new account of the trust. 

The monetizers won't accept real estate, even if it is free and clear.  This is because the line of credit against it for trading would usually be issued by a public institution that is legally prohibited from officially recognizing the existence of the BIIP industry.  Therefore the stated purpose of the loan would be in conflict of interest with the lender’s policies. 

The monetizers are also very particular about other assets.  Generally speaking, think in terms of what any typical bank would loan on.  Accounts receivables against the US gov't would be very doubtful.  Who is going to enforce collection?  Also, our monetizers require a minimum appraised value of $150M before they will even look at it.  The easiest things to monetize are gold bars or coins sitting in a bonded warehouse with authenticated SKR, or Medium Term Notes (MTNs) listed on Euroclear, etc. 

"Bullet" is so called because it moves fast and ends within a short period; as distinguished from most other platform programs which stay open for months and have typically 40-week terms or 1-year terms with 40 banking weeks.  Bullets with tear sheet privileges and a short period like 10 days are favored by the traders because it is very unlikely the investor would lose patience and move his money within ten days.  It is a short enough period for most clients to comply with the contract and leave the money intact until the payout. 

Yes, perfectly stated.  You would not only be terminated from the program, but you would also be blacklisted throughout the entire industry and most likely never again permitted to enter any platform anywhere.  They keep a shared database of such information.  They take this seriously.  A client who is given such high yields without moving or “investing” his money, and then who is so ungrateful as to break the contract by moving his money before the completion of the contract will never again be welcome in any BIIP.  Remember, these programs are “by invitation only”.

It means that the client can leave his money where it is presently, as long as it is an acceptable bank, without having to move one’s capital to a different bank.  Therefore this is considered to be the number one most desirable and appealing arrangement for investor-clients.  In the old days, one bank would verify to another the balance in a customer’s account by tearing off a copy of the balance sheet and transmitting it to the other bank.  Today, of course, it’s all done electronically and instantly, but it still bears the same quaint name.

Bank instruments traders always need to issue a line of credit that reflects the amount the client has on deposit somewhere.  It is the line of credit that is used to trade instruments, not the client’s original principal.  If no administrative hold is placed on the client’s principal, the client could move the funds out of his account at any time.  That would pull the rug out from under the trader’s line of credit.  This is why an electronic verification is needed from the client’s bank.  It confirms to the trader that the principal underlying the line of credit is still in the account.  If the client were to remove his capital prematurely, before the end of the contract, he would be in violation of the contract.  That would result in all the profits stopping and the client becoming blacklisted.  This means he would never again be invited into any BIIP ever again anywhere in the world, by any BIIP provider.

A client being given the privilege of leaving his principal capital wherever it is presently is usually reserved for the $100M+ clients.  So to receive this privilege for small cap, i.e. under $100M, is rare and unusual.  By contrast, our other zero risk small cap programs presently available require that the client move his funds to a designated bank.  ($100M+ clients can almost always have tear sheet programs if desired.)

None of that goes to others.  Please confirm this when you see the contract, but normally the return quoted is NET to the client.  That is the normal protocol when quoting returns.  Platforms nearly always quote client returns as "net".  Fees and percentages to other parties come out of the gross, above and beyond the net. 

Yes, and the fact that clients who are clean, ethical, cooperative, and responsible with their funds are valuable to the traders.  By raising small clients into large cap ones, the traders have cultivated ideal clients for their own large cap trades.  Your success is their success, so when they have cultivated good large cap clients, those clients will tend to be loyal and stay with them for a long time.  That expands the success of the trading group. 

If you could do it quickly, and get your KYC in with it, that would be good.  Passports are requested because these programs are international, and BIIP participants identify themselves that way.  It is required to have a current passport in private trading.  No other form of ID will work.  You will have to get a new passport.  It can be done quickly.  You don’t have to go through the post office, which is slow.  As you may know, there are private passport agencies you can find.  For an extra fee of usually a couple hundred dollars, they will expedite it for you.  You can probably get it in a few days. ​

Yes, the POF is required as part of your KYC to commence the intake process.  On the other hand, you could show POF from your existing account and still move the funds after that, as long as you inform the trading team.  The sooner the better, so as to get the intake process started.  Sometimes transfers of that size from one bank to another can take longer than we expected.  Perhaps you could show the existing POF, include a note in your KYC that you intend to move the funds to XYZ bank, and offer to produce a new POF after the money has been moved. 

Yes, that is normal.  When you open and read the KYC form, you will see that that question is asked on the form.  Good questions.

Thank you for this good question.  Of course the trade groups with which we are associated cannot claim to adhere strictly only to the codes of any one religion, because those vary widely, even from congregation to congregation.  But certainly the ones with which we are associated are the ones that we have observed to be honoring their contracts, paying out as promised, showing benevolence, and showing compliance with all relevant secular laws.  The fact that they do not admit clients that are known to be dangerous to society is one evidence of their ethics. 

Dr. Buckminster Fuller, who had 48 Ph.D.s, in the 1970s did a calculation.  He totaled up all the wealth in the world, and then he divided it by the world's population.  What this calculation showed was that if it was evenly divided, every last man, woman, and child would be a multi-millionaire.  This mathematically proved that there was no shortage of supply.  There was only an inequity in distribution. 

This was not to advocate some communistic or socialistic redistribution.  It was only to prove that those who believe in "necessary evils", and that poverty is not possible to fix any time soon, are disproven by the numbers. 

It is our opinion that virtuous, well-designed, well-operated, and fairly administered high yield investment programs are among the very best ways to multiply wealth and increase abundant distribution in this world.  This is the philosophy, as well, of the best bank instruments trading administrators at the top of the industry - - the ones with whom we are associated.  Beyond their own profits, this is why they are involved in it.  They see it as improving the economy of the world.  We agree with this. 

So being, this should have the full approval of Heaven and Earth.  It should be seen as fitting with the ideals of all religions and all spiritual paths. 

It is also important to note that the trading itself in BIIPs has no losers.  It has exit buyers, but these are major institutions like pension funds that are heavily regulated, and they are not experiencing a loss when they make these exit purchases.  This was explained inter alia.

The Forex market, by contrast, always has a winner on one side and a loser on the other.  Same with commodities futures.  Same with stock speculation.  Purchasing stocks as investments for the long-term hold, like Warren Buffet does, rarely has losers, so that is better.  But all the markets that have winners at the expense of losers are not improving the collective economy very much, if at all. 

The BIIP industry, on the other hand, simply multiplies the medium of distribution via high speed quantum computers trading bank instruments at lightning speed.  It is basically a form of arbitrage, so it is pretty close to zero risk even for the traders.  They have a buyer lined up at a profit before they buy at a lower price.  Hence it only produces winners.  The buyers win, the sellers win, the traders win, the clients win, the intermediaries win, and the economy in general wins when all parties spend the money thus gained on life-supporting projects. 

That calculator was not intended to introduce a program.  Programs come and go every month.  It was simply an illustration of a typical program.  It only illustrated one that probably existed last year or the year before, but it was for illustration purposes only.  That is why it is in the Industry Overview, which doesn't change anywhere near as often as the Current Programs document.  The Current Programs document is the one to refer to for up-to-the-minute news about what is available NOW.