Sorry Tim, I do not think you know what I meant or where I am going, this has always been one issue you and I see differently for some reason, here is the PDF file it was a crime and it was sponsored by our Govt. they were caught and the courts settled out of court, they paid pennies on the dollar.

http://www.hbsslaw.com/Templates/media/files/case_pdfs/Oppenheimer%20Champion%20Income%20Fund/Oppenheimer-Champion-Notice-of-Pendency-and-Proposed-Settlement-of-Class-Action-for-Identified-Purchasers.pdf

The entire monetary system is run like a pyramid scheme, money changers, this was predicted to happen well over two thousand years ago.