Came into this completely fresh, would not have bothered all too much if it was not for one Shane Thurston who was extremely patient with my questions, receptive and knowledgeable in his responses. He maintained a great level of professionalism throughout, and was transparent in his explanations. As with any investment, more than certainly does come with its attached risks, but definitely is a very interesting asset class in such curious times, and recommend it, especially if it's via VCL, and even more so through Shane !