### Comment:
Ponzi scheme does not equal promising returns, Ponzi scheme is using new investor money to pay old investors and eventually collapsing. Ponzi schemes usually offer a whole hell of a lot more than 3% every year

### REPLY:
The early adopters will get promised 3%. The next batch is promised 4% to new account to pay the early adopters at 3%. Then the 5% special offer will come, to pay the 4% people.

### END.