People like him will never return a dime, and people like him will never get a real job so long as there is a world full of people he can scam money from. Its sad, and no matter what anyone says...it is not our fault. Yes we could do more in depth research, yes we can look for warning signs, yes no one should invest more than they are willing to lose...but scum bags like him give the human race a bad rep. its his fault for being such a morally bankrupt human being that he is willing to scam tens or even hundreds of thousands of people out of their hard earned money. He crushes some people dreams and one day i can almost guarantee you that his actions will lead to at least 1 suicide. Not everyone is smart enough to only invest what they can afford to lose, so day, he is going to scam someone out of their life savings and who knows where that will lead them. Forgive me for being a bit melodramatic, I just want Yakov to stew on this. I hope to plant a seed in his conscience...not so he'll give us our money back...we all know hes too small a person to ever do that...but i want him to feel guilt knowing that somewhere, sometime...he will be directly responsible for someones death. :-) Have a nice life Yakov, you scumbag!