Talking with Tony Grosso was a key for me getting comfortable with investing with FNR. Tony (not a hired salesman) spoke with me several times before I invested. Knowing he is a principal officer of FNR helped. Also listing to his voice and the type of comments he made, I felt and interrupted sincerity in his comments. I am not a great judge of people, but his presentation was believable. There was no wild returns presented. This investment would be somewhat steady and long term. It was a big step for me to invest with FNR (even my small amount), another key factor for me. Thus far all the events, payouts and reports are adding up. FNR seem to have a niche that is working. It takes time (that is the returns) for the comfort level to increase. Remember this is an investment that can have its up and downs too. I am happy to give 4 stars for FNR, the fifth star come when the final return/payout is completed.