truth be told I decided to shift a little bit of money in my roth ira at vanguard into cerus, unfortunately one couldnt buy yesterday but I put in an order over the weekend knowing full well that it would likely go up today, its a total gamble and an amount I dont mind losing if that happens, its a small chunk of change i have in the roth for the next at least 10 years. I am just kicking myself I didnt follow through with buying it last week as I had planned. I have a small lame brokerage account at scottrade where I could buy individual stocks and I was trying to do it through them and was setting things up to transfer a little money to that account to do it and hit some computer glitches, also when I tried to buy the stock online at scott last week it wouldnt work, I suspect they can't handle macs or something, I had called them about it and they blamed it on my computer probly blocking popups but my computer works fine at vanguard and other websites, I just notice occasionally that my mac, opposed to my old pc, isnt accepted very well at a couple local news sites. and now apparently scottrade. I was going to stop by their office last week but got flared up from dental so didnt happen. but I can't believe a huge company like scottrade would have a system that hiccups when you are trying to buy a stock, wth. Anyway, I am not very experienced with all of this, had started to research it about 10 years ago when got small chunk of change to invest for my future and at that time set up modest account at scott that has just sat the last 10 years....I learned a lot from that first experience as I put it almost all in tech in that small experiment as it was the end of the peak of that and all the national newspapers in US and Canada where I was at the time and the cnn shows said to buy nortel and the like.....that turned out real well, not. I wonder how everyone in Alberta is doing with their retirement accounts as seemed they had a lot in nortel. anyhoo, long winded, I know you guys said cerus risky right now but its a small amount. most of my roth is in money market so didnt make or lose a lot the last 10 years. but what an awful 10 years to enter the game and start investing for retirement. I've been trying to diversify a bit in my roth (vanguard roth much more significant than scott, lost 75% of what was at scottrade cus of the tech picks I made 10years ago). Put a little in emerging markets and index etc but money market a joke want to venture out more but man the way athene explains how to do it seems very difficult and labor intensive. I was wishing the motley fool guys would have been right about their index fund idea 10 years ago for buy and hold for decent return. dont know about that s&p anymore though.