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I'm saddened by the fall of dreams and the pain inflicted on many good people. However that's what Entrepreneurs had to go through most of the time. It's best to learn from others' mistakes (if any) and make new ones (for your own). However always remember that this is no kids play. This presentation is prepared to make a point to new entrepreneurs (wannabepreneurs) and is solely aimed to honor the founders, entrepreneurs, investors and co-workers of the online banking site perkstreet. I'd have used the service if I was in US. good luck with the rest of the journey and say "so long and thanks for all the fishes" untill the next dream.