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Take a look at the terms of the investment:

http://www.romspen.com/investing/how-to-invest/summary-of-terms.aspx

-- Poor liquidity.
-- Expensive (3% to 4% in fees).
-- Accredited investors only.

The excess returns available over the risk-free rate simply reflects the risk involved. In any case, at least for me, this is a theoretic exercise anyway -- I'm not an accredited investor.
 
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