It is a very conservative approach to investing your money based om the premise that losses are unacceptable. Speculating in the market may be stimulating entertainment, but the risks associated with investing in Wall Street are incredibly high. Investments that protect your principal yet allow for participation in the upside of the market eliminate the gambling facet and allow you more control over your financial health. Steve's hope is that he will reach people who are questioning the whole investment process and wondering if there is a better way. Steve believes there definitely is!