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Tracey I agree with your line of thinking. The responsibility falls back to to investor for their investment decisions. I do however think that the so called educators should point out the risks involved in investing while trying to educate on the risks of not investing. As we all...

Some of our clients used IC to sell properties in early 2006 when the market was slow. They charged 6%+GST. Fortunately there was enough margins in the development for the clients to walk away with a reasonable profit.