Step Three of our Four Steps from Words to ACTION begun last November. We will explore investment funds as a vehicle that allow a number of separate and unrelated investors, which may be a group of individuals or companies, to make investments together. By pooling our capital, investors can share costs and benefit from the advantages of investing larger amounts, including the possibility of achieving a broader diversification among a number of different assets and thus spreading our risks. Depending on the amount invested, each participant in the fund holds a number of units, all of equal value, and participates in the profits and losses in proportion to the number of units held. We will discuss single and umbrella funds to bring to you a single or multiple vehicles to pool our funds in September. The time delay will allow us all to do any due diligence we feel is needed before investing our funds.