@richardsric7: for some of you trending someone's bad experience as the reality, have you also considered there are others dat made windfall from the same fidelity bank? profit of 525k from 20k investment in Fidelity bank shares from November 16th, 2016. if you don't want to do stock investment just face forward. someone bad experience does not define the whole industry. Plane crash weekly but U don't advise ppl never to take flights. Cars crash Daoly but U never advise ppl never to buy cars. Marriages end steady but U never advise ppl never to get married. Ppl die in child birth but U never advise ppl never to give birth. Businesses fail daily buy U never tell ppl never to start businesses. Jobs are lost and ppl get horrible experiences at their job, but do you also advise the world never to get a job? if U got bad experience I your work, do you advise ppl never to get a job? Time and luck and knowledge matters. Fortune goes in time.