How is it that these (???dare I say???) people were not prosecuted for being a huge part of the current sub-prime meltdown, is the million dollar question! The answer to previously 'taking the money and running' is simply to set up shop in your townhouse, call it 'suite 200' (look up the address on Mapquest, go to aerial view, and you shall see!)and write a blindingly stupid and confusingly verbose blurb for a new web page. Proceed to consult with them at your own 'risk'!