sad that there are so many LDS led scams out there but decisive investor is not one of them. I personally know quite a few people who use the program including myself. Lamar Layton is about nicest guy you could ever meet. I would be more than happy to provide anyone whatever information they want about the program and will even share my personal results with you. It is not a scam and is an awesome investment program. Maybe we should see if Lamar wants to host a AMA or webinar for cougarboard. Please don't trash something you know nothing about. We are all too jaded from all the ponzi schemes and MLM's that exist in LDS culture.