Dear Richard, Thank you for taking the time to reply, I value your added insight. It seemed the only way to get information was to have a 30" Skype call with the marketing person. I did that, but still didn't have all the answers to what I considered very basic financial questions. They were vetting me to see if I was a good fit, but I made it clear to them I needed to fully vet them to see if they were a good fit. The next morning I got an email saying I wasn't on the short list for moving forward. There were a lot of red flags for me while I was doing my research. I do not know for a fact if they are a scam or not. But I know for a fact they are not a good fit for me. Again, thanks for your information.