I am in school currently, so work on this project will be continuous over a few years. I receive payment for my schoolwork from the government and I also work a night job to pay for development. This allows me to operate on my own schedule without having to worry about pressure from investors. That's why there is no ico pr dev fee. Once the smart contract loan protocol is complete, it will extract a fee to support the system,  but the traditional blockchain for initial coin distribution will always be 100% fair launch and self funded.