I've never heard of a start-up venture that went exactly according to the plan. When I ordered my RBL, I considered that I was assuming some measure of risk. I did my home work and then paid my money. Because I did some prior planning, I'm still well within my comfort zone. If CSMC goes belly up, you won't hear me whining because I'm the one that's responsible for my dollars, not CSMC. For may folks its always easier to blame someone else for your own, self made, problems. Sounds like some of the whiners did the opposite (money first, homework later) and somehow I get the feeling that some of the loudest whining is coming from guys who have yet to put any money down.