Thanks for compiling this Rob. I have always appreciated your thoughtful posts, along with Fred's. I have gone from about $125k in LC investments and I am now down to $20k. I wish LC had raised their interest rates enough so that ROI was high enough across all grades, but the difference in returns that I think I will get in returns between risk-free CDs (I recently opened up a 4% 5-year) and LC notes is not worth the risk premium, especially considering tax treatment. I still want to believe in LC, but I haven't deployed any new money for a very long time. I'm open to the possibility of doing so, but I would have to see the facts on the ground justify it.