I'm willing to take that risk - with VIVA - and the decision wasn't easy.

I'm a casualty of the mortgage biz meltdown (was a processor for 20+ years) and trust is hard won from me. VIVA is a sincere effort, I believe, and an opportunity to shift things at a fundamental level. People are looking for a way to disconnect from an obviously corrupt system and, if VIVA marketing is effective, will see that this model is workable.

Timing is everything. I think VIVA is in the right place at the right time.