[ANN] ¤ DMD Diamond 3.0 | Scarce ¤ Valuable ¤ Secure | PoS 3.0 | Masternodes 65%

[cryptonit]

DMD Cloudmining Report January 2015:

2009 new investment
702 reinvest
10980 earned DMD

------------------------------

all time stats:

26628    total invested
6647     total reinvested
54193   total earned DMD

-----------------------------

compared to december we see reduced earnings
mostly based on lower performance of BTC based cloudmining contracts
but additional because our endless staking devices perform below expectation

still if u look around in cloudmining business (below) dmd cloudmining did prove to reduce and split risc
and maneuver the boat through this very difficult times with a in my opinion very respectable result

cex.io stopped mining at all
zencloud stopped mining at all
genesis-mining stop scrypt mining
zeushash stop scrypt mining
hashnest temporaty stopped mining a few days
pbmining colapsed
hashie colapsed
hashprofit colapsed
ltcgear payouts pending  since weeks

(we not affected by most of this but a few where part of our broad spread cloudmining contract portfolio)

good news at the end we achieved to shift and reinvest into over 20 thash sha256
on a mining operation run direct by hardware producer based on low power useage high efficiency mining gear

this give us good faith to endure even a few more weeks at low btc price
and once price raise will have a surprising high effect on DMD buying power

[paladin281978]

diamond - not faceted brilliant
brilliant - faceted diamond
right?
but on all pictures brilliants
I specify it for a correct translation on other language.

[davembg]

I recently built a staking/minting wallet on a 0.99 per month Ubuntu 12.01 (32bit) machine at https://www.atlantic.net.
I had to use a larger Ubuntu 12.01 machine to actually build the wallet, then, I moved the binary over and started the wallet.
You'll need intermediate terminal knowledge to get this working.

You will want to encrypt your wallet (after the blockchain sync completes).

Here are my notes:

# login as root

# install stuff you need
apt-get update
apt-get upgrade

apt-get install python-software-properties software-properties-common nano locate iptables iptables-persistent
add-apt-repository ppa:boost-latest/ppa
apt-get update
apt-get install build-essential libboost1.55-all-dev libcurl4-openssl-dev libdb5.1-dev libdb5.1++-dev libminiupnpc-dev git

# change your timezone
dpkg-reconfigure tzdata

# add some swap for the tiny machine
dd if=/dev/zero of=/swapfile bs=1024 count=256k
mkswap /swapfile
swapon /swapfile
echo 10 | tee /proc/sys/vm/swappiness
echo vm.swappiness = 10 | tee -a /etc/sysctl.conf
chmod 0600 /swapfile

# edit your fstab to activate on boot
sudo nano /etc/fstab
# add the line
/swapfile       none    swap    sw      0       0

# add your user so you don't work as root anymore
# $user = your intended username

useradd $user -s /bin/bash
mkdir /home/$user&&chown $user:$user /home/$user

passwd $user
# enter your password

edit /etc/sudoers
# add line below root ALL (ALL:ALL) ALL
$user    ALL=(ALL:ALL) ALL

# some firewall rules to keep out the riff-raff

iptables -N CENTRALCHAIN
iptables -A CENTRALCHAIN -i lo -j ACCEPT
iptables -A CENTRALCHAIN -p icmp -m icmp --icmp-type any -j ACCEPT
iptables -A CENTRALCHAIN -p esp -j ACCEPT
iptables -A CENTRALCHAIN -p ah -j ACCEPT
iptables -A CENTRALCHAIN -m state --state RELATED,ESTABLISHED -j ACCEPT
iptables -A CENTRALCHAIN -p tcp -m tcp --dport 22 -m state --state NEW -j ACCEPT
iptables -A CENTRALCHAIN -p tcp -m tcp --dport 17771 -j ACCEPT
iptables -A CENTRALCHAIN -j REJECT --reject-with icmp-host-prohibited
iptables -N SSH_CHECK
iptables -A SSH_CHECK -m recent --set --name SSH --rsource
iptables -A SSH_CHECK -m recent --update --seconds 600 --hitcount 4 --name SSH --rsource -j REJECT --reject-with icmp-host-prohibited
iptables -A INPUT -p tcp -m tcp --dport 22 -m state --state NEW -j SSH_CHECK
iptables -A INPUT -j CENTRALCHAIN
iptables -A FORWARD -j CENTRALCHAIN
/etc/init.d/iptables-persistent save

# logout and login as $user

# create a cron job to keep your Diamond debug.log small(ish)
crontab -e
# first run should prompt for editor, choose nano
#add this line
0 1 * * * cat /dev/null > /home/$user/.Diamond/debug.log

# the wallet stuff
mkdir ~/.Diamond

echo "rpcuser=diamondrpc
rpcpassword=`date | md5sum | grep -Eio '\w+'`
rpcallowip=127.0.0.1
listen=1
noirc=1
daemon=1
addnode=193.68.21.19
bantime=600" > ~/.Diamond/Diamond.conf

# grab the diamond wallet binary from google, and place in your home directory
# https://drive.google.com/file/d/0B0NqMbA-2YNVbEF3bTZRRzNiU28/view?usp=sharing
# upload it to your home dir and tar xzf dmdbin.tar.gz, and make sure it's executable with chmod 775 ~/diamondd

# start the wallet with ~/diamondd

# I had to let the blockchain sync itself, I couldn't get any of the provided blockchain downloads to work

# encrypt with ~/diamondd encrypt wallet $yourpassword

!! Make sure you issue history -c after the wallet encrypt to clear your password from your history !!

# bash script to check your wallet's progress/status
# make sure to alter the permissions on your script with chmod 775 scriptname.sh

#!/bin/bash
BINF="/home/dave/diamondd"
echo "DIAMONDCOIN"
echo
echo "Receive address' -"
$BINF listreceivedbyaddress 0 true
#echo "#################"
#$BINF listunspent
echo "#################"
$BINF getinfo;
#echo "#################"
echo "#### Peer block heights ######"
$BINF getpeerinfo | grep 'startingheight'


Feel free to hit me up with questions, or comments for changes.
Missing a startup script and daemon watcher, but I have a poker game

-d

[pallas]

I wouldn't download a binary wallet, unless it's from the official site, if I was any of you.
Anyway, to compile on low memory machines, just add the -O0 switch.

[davembg]

I wouldn't download a binary wallet, unless it's from the official site, if I was any of you.
Anyway, to compile on low memory machines, just add the -O0 switch.

Good advice, pallas.

Perhaps I overlooked the proper instructions, so here they are.

There is no configure, so....

git clone https://github.com/DMDcoin/Diamond.git

Follow the readme on the github page and then -
 
Edit the makefile.unix, change the -02 in the xCXXFLAGS to -O0 and build away.

I had started with a larger machine to test the memory footprint, hence the need for a swapfile.

Here is the upstart job to monitor the wallet and run it at startup:

# create the upstart file
sudo nano /etc/init/diamondd.conf
# substitue your user for add_your_user_here


#!upstart
description     "Diamond wallet binary"
env USER=add_your_user_here
start on startup
stop on shutdown
# if you want it to automatically restart if it crashes, leave the "respawn" line in
respawn
expect fork
exec start-stop-daemon --start --pidfile /home/$USER/.Diamond/Diamondd.pid --chuid $USER --exec "/home/$USER/diamondd"


# make your file executable
sudo chmod 755 /etc/init/diamondd.conf

# commands for the wallet then are:
sudo service diamondd start|restart|stop|status

[cryptonit]

request for contribution

i am willing to put a great part of my own dmd into a reactor
that create stake rewards which are added to dmd cloudmining payouts (once a week or once a month)

this would be if u calculate it not a good investment for urself
but a very good future prove support of DMD Cloudmining
(because stake is independent from dmdm coin value while normal BTC hashrate created buypressure earn less and less dmdm when dmdm price raise the staking rewards will be independent from dmd value)

so if something isnt a high roi investment how we get coins into reactor
beside me sacrifice my coins for cloudmining

the idea is the we start a new referral system where the referral rewards are DMD Cloudmining shares which are paid with dmd (by me)

also a percentage of new investments and reinvest BTC will be used to buy DMD for reactor

this is full in line with term of service with state that we consider hashrate as a word that fit to any payout generating investments including not only cloudmining but also staking services and lending services

im not sure who of u know rofo (jason) from noblecoin noxt
he sacrifices a big part of his own wealth to support his project

im afraid i am following same mindset
im maybe the opposite of a scammer i lower my own profit to make investors get theirs

u cant me stop doing this
but u can help me and take a bit of the burden on ur own shoulder

so who is willing to invest some of his DMD into reactor (or even better buy some dmd for use them in reactor)

a little overview how much i can expect can help me to decide if we start reactor

my contribution would be around 30k dmd

the funny part is we should do it as long dmd value is still low
because then we have to hand out less shares for the dmd and increase the longterm possitive effect of this supportive act

yes its the opposite of a great deal
its a supportive act that will return the invested dmd in around 12-18 months

but its a very important step forward for future prove DMD cloudmining concept

-----------

(when i say me instead of foundation that is because as long our company isnt created all the contracts are between me and investors. the plan is still that once we created our Diamond Crypto Invest company DMD Cloudmining will be one of the products in its portfolio.
and if there will be a foundation seperate to the dimaond crypto invest company deepends if there are people joining foundation which are not part of the crypto invest company. we already started a call to community to join foundation and to start contributing. but if the people from dmd diamond foundation and diamond crypto invest are 1:1 identical i see no sence in create (and have additional costs) two companies at beginning)


-----------

list contribution to dmd cloudmining reactor:
(i will update this with numbers from rest of community
and once we have a better picture what size our reactor would be able to reach for start we decide if we really create it
(meanwhile 41k already gathering coin-age in the reactor wallet))


30000 helmut(cryptonit)

[utahjohn]

If this cloudmining support reactor stakes at 1x normal rate like everyone else for purpose of reinforcing cloudmining payouts to shareholders I applaud it, but u already saw what happened with great discord among community over unfairness of requirement to be a cloudminer.  If cloudmining reward was subsidised by PoS on foundation funds it might attract more to join. 

[cryptonit]

If this cloudmining support reactor stakes at 1x normal rate like everyone else for purpose of reinforcing cloudmining payouts to shareholders I applaud it, but u already saw what happened with great discord among community over unfairness of requirement to be a cloudminer.  If cloudmining reward was subsidised by PoS on foundation funds it might attract more to join.  

this reactor have no wallet code changes required
its a wallet that stake with same rules as any other wallet

more than applaud i would enjoy a number of coins u willing to contribute

[pokeytex]

request for contribution

i am willing to put a great part of my own dmd into a reactor
that create stake rewards which are added to dmd cloudmining payouts (once a week or once a month)

this would be if u calculate it not a good investment for urself
but a very good future prove support of DMD Cloudmining
(because stake is independent from dmdm coin value while normal BTC hashrate created buypressure earn less and less dmdm when dmdm price raise the staking rewards will be independent from dmd value)

so if something isnt a high roi investment how we get coins into reactor
beside me sacrifice my coins for cloudmining

the idea is the we start a new referral system where the referral rewards are DMD Cloudmining shares which are paid with dmd (by me)

also a percentage of new investments and reinvest BTC will be used to buy DMD for reactor

this is full in line with term of service with state that we consider hashrate as a word that fit to any payout generating investments including not only cloudmining but also staking services and lending services

im not sure who of u know rofo (jason) from noblecoin noxt
he sacrifices a big part of his own wealth to support his project

im afraid i am following same mindset
im maybe the opposite of a scammer i lower my own profit to make investors get theirs

u cant me stop doing this
but u can help me and take a bit of the burden on ur own shoulder

so who is willing to invest some of his DMD into reactor (or even better buy some dmd for use them in reactor)

a little overview how much i can expect can help me to decide if we start reactor

my contribution would be around 30k dmd

the funny part is we should do it as long dmd value is still low
because then we have to hand out less shares for the dmd and increase the longterm possitive effect of this supportive act

yes its the opposite of a great deal
its a supportive act that will return the invested dmd in around 12-18 months

but its a very important step forward for future prove DMD cloudmining concept

-----------

(when i say me instead of foundation that is because as long our company isnt created all the contracts are between me and investors. the plan is still that once we created our Diamond Crypto Invest company DMD Cloudmining will be one of the products in its portfolio.
and if there will be a foundation seperate to the dimaond crypto invest company deepends if there are people joining foundation which are not part of the crypto invest company. we already started a call to community to join foundation and to start contributing. but if the people from dmd diamond foundation and diamond crypto invest are 1:1 identical i see no sence in create (and have additional costs) two companies at beginning)


-----------

list contribution to dmd cloudmining reactor:
(i will update this with numbers from rest of community
and once we have a better picture what size our reactor would be able to reach for start we decide if we really create it
(meanwhile 41k already gathering coin-age in the reactor wallet))


30000 helmut(cryptonit)

First - WOW - you have some serious DMD's - :-)

I am a bit confused so I may have missed it in the original post.  What is the benefit to having my DMD in your wallet as opposed to my own?  POS wise?  Please advise.

[pokeytex]

request for contribution

i am willing to put a great part of my own dmd into a reactor
that create stake rewards which are added to dmd cloudmining payouts (once a week or once a month)

this would be if u calculate it not a good investment for urself
but a very good future prove support of DMD Cloudmining
(because stake is independent from dmdm coin value while normal BTC hashrate created buypressure earn less and less dmdm when dmdm price raise the staking rewards will be independent from dmd value)

so if something isnt a high roi investment how we get coins into reactor
beside me sacrifice my coins for cloudmining

the idea is the we start a new referral system where the referral rewards are DMD Cloudmining shares which are paid with dmd (by me)

also a percentage of new investments and reinvest BTC will be used to buy DMD for reactor

this is full in line with term of service with state that we consider hashrate as a word that fit to any payout generating investments including not only cloudmining but also staking services and lending services

im not sure who of u know rofo (jason) from noblecoin noxt
he sacrifices a big part of his own wealth to support his project

im afraid i am following same mindset
im maybe the opposite of a scammer i lower my own profit to make investors get theirs

u cant me stop doing this
but u can help me and take a bit of the burden on ur own shoulder

so who is willing to invest some of his DMD into reactor (or even better buy some dmd for use them in reactor)

a little overview how much i can expect can help me to decide if we start reactor

my contribution would be around 30k dmd

the funny part is we should do it as long dmd value is still low
because then we have to hand out less shares for the dmd and increase the longterm possitive effect of this supportive act

yes its the opposite of a great deal
its a supportive act that will return the invested dmd in around 12-18 months

but its a very important step forward for future prove DMD cloudmining concept

-----------

(when i say me instead of foundation that is because as long our company isnt created all the contracts are between me and investors. the plan is still that once we created our Diamond Crypto Invest company DMD Cloudmining will be one of the products in its portfolio.
and if there will be a foundation seperate to the dimaond crypto invest company deepends if there are people joining foundation which are not part of the crypto invest company. we already started a call to community to join foundation and to start contributing. but if the people from dmd diamond foundation and diamond crypto invest are 1:1 identical i see no sence in create (and have additional costs) two companies at beginning)


-----------

list contribution to dmd cloudmining reactor:
(i will update this with numbers from rest of community
and once we have a better picture what size our reactor would be able to reach for start we decide if we really create it
(meanwhile 41k already gathering coin-age in the reactor wallet))


30000 helmut(cryptonit)

First - WOW - you have some serious DMD's - :-)

I am a bit confused so I may have missed it in the original post.  What is the benefit to having my DMD in your wallet as opposed to my own?  POS wise?  Please advise.

this.

I re-read it and I still don't see the stake rate.  What is the benefit for locking up coins in another wallet that stakes at the same rate as mine?  He may have said it in the post but sometimes there is a language barrier.  I usually can decipher I just might be missing it.  Please help if you understand.

[utahjohn]

@Cryptonit
Back to PoS 30 day grouping small piles vs 7 day large piles ...
We have 30/(4*7) = 1.07142857 or approx 7.1% more interest in staking, this is not even accounting for compounding ...
So to me keeping large piles is the best way  By merging coin piles after each successful split-staking (we lose nothing doing this at 0 coin age) this can be perpetuated
Of course this requires u to have large piles for it to work  

[cryptonit]

I am a bit confused so I may have missed it in the original post.  What is the benefit to having my DMD in your wallet as opposed to my own?  POS wise?  Please advise.

this.

I re-read it and I still don't see the stake rate.  What is the benefit for locking up coins in another wallet that stakes at the same rate as mine?  He may have said it in the post but sometimes there is a language barrier.  I usually can decipher I just might be missing it.  Please help if you understand.

i must have written my text very confusing i guess.....

forget the old reactor it just make u mix up things

the new reactor is a wallet which stake at normal rules

people dont buy reactor slots people dont own coins in reactor

people can invest in dmd cloudmining and pay with dmd

same as with btc invests they get shares equal to the $ value of their invest

and now read it again please

[utahjohn]

I still do not see any advantage to myself to invest any more into cloudmining unless it is managed as I suggested here:
https://bitcointalk.org/index.php?topic=580725.msg10334515#msg10334515
And the PoS profits paid out to cloudmining share holders as additional reward besides normal 70%/30% split reward/reinvest ...

[cryptonit]

@Cryptonit
Back to PoS 30 day grouping small piles vs 7 day large piles ...
We have 30/(4*7) = 1.07142857 or approx 7.1% more interest in staking, this is not even accounting for compounding ...
So to me keeping large piles is the best way  By merging coin piles after each successful split-staking (we lose nothing doing this at 0 coin age) this can be perpetuated

ur 7.1% number is total wrong


1000x0.5/12=41,66 POS reward stake once a month (30 days)

or weekly stake rewards for 30 days:

1000x0.5/12/30x7=9.72
1009,72x0.5/12/30x7=9,81
1019,53x0.5/12/30x7=9,91
1029,44x0.5/12/30x7=10,01
1039,45x0.5/12/30x2=2,88
                               -------
                               42,33


42,33/41,66=1,016

so u earn by trick the system and always create big piles and 7 days stake 1,6% rewards
but this 1.6% are fast reduced to nothing or even worse than let it stake on its own when us destroy coin-age by combining pile
but u might also create a nothing to stake problem in network if everyone would act this way

let the POS run without interaction from user is the suggestion i can give
and not always try to optimize personal gain and dont care for the important fact that
lot coin pile compete for pos blocks is a major security factor
                              

[cryptonit]

I still do not see any advantage to myself to invest any more into cloudmining unless it is managed as I suggested here:
https://bitcointalk.org/index.php?topic=580725.msg10334515#msg10334515
And the PoS profits paid out to cloudmining share holders as additional reward besides normal 70%/30% split reward/reinvest ...

i dont consider u as potential investor via DMD

as decribed it would be a supportive act and not a primary profit gain motivated one

it would earn back its DMD but need like 12-18 months to achive this and after that start the earning phase

keep ur coins staking in ur own wallet will give u more gains

that is why im not asking for investors but for contribution via DMD

all the contribution i can expect from u is applaud that someone else sacrifice maximum profit for himself to secure profit for all cloudmining investors

it wouldnt replace the way dmd cloudmining works it just add one more pillar of spread income sources
and this one would be total independent from btc value and gain streangh when dmdm value raise while all other income sources lose strengh when dmd value raises

[utahjohn]

So PoS is flawed and can be manipulated   All the greater reason to keep PoW alive also ...

[cryptonit]

So PoS is flawed and can be manipulated  All the greater reason to keep PoW alive also ...

john where u come to that conclusions?


yes everyone know and thats the reason why we are a hybrid POW/POS coin
that pow and pos as single source of blocks are a security risc

only unbeliveable hashrate like BTC have can make a pure pow coin secure

we are a hybrid coin we solved that flaws

[utahjohn]

So PoS is flawed and can be manipulated  All the greater reason to keep PoW alive also ...

john where u come to that conclusions?


yes everyone know and thats the reason why we are a hybrid POW/POS coin
that pow and pos as single source of blocks are a security risc

only unbeliveable hashrate like BTC have can make a pure pow coin secure

we are a hybrid coin we solved that flaws

You have stated this in many previous posts that when PoW reward reduction occurs we will be extremely dependent on PoS and that there are not as many utilizing PoS as were expected.  This "Flaw" I am taking advantage of in PoS nets me more profit (Don't deny u also want profit LOL)  I do not think the existing PoS rules are going to create enough network traffic at that time.  Time to reconsider both PoS block time and PoW reward reduction, maybe halving instead of 1/10.
Realisticly how many miners do you think will keep mining at 0.1 DMD reward?  essentially we will be pure PoS with a tiny amount of PoW ...

[cryptonit]

You have stated this in many previous posts that when PoW reward reduction occurs we will be extremely dependent on PoS and that there are not as many utilizing PoS as were expected.  This "Flaw" I am taking advantage of in PoS nets me more profit (Don't deny u also want profit LOL)  I do not think the existing PoS rules are going to create enough network traffic at that time.  Time to reconsider both PoS block time and PoW reward reduction, maybe halving instead of 1/10.

john it seems u not understand how things are connected to each other

hybrid  POW/POS security work same strong no matter of POW reward reduction

there is no shift from one to the other

the way how hybrid block generation secure the chain is that noone is able build a longer chain just with one way of generating blocks

there wont be any major change in coin rollout plan

what might happen is that we reduce POS blocktime from 600 to 300 sec
which would lead to half minting diff faster claim ur above 30 days coinage pos
for rare minter
for 24/7 minter it change nothing just more pos blocks but all together create same rewards as now

beside that nothing will be changed (in that part of code at actual knowledge)

i want to hear feedback from other people and dont create here a privat dicussion if u have more questions PM me

also my focus is now gather responses for the new wallet code independant reactor as additional pillar of dmd cloudmining

dont mix that up with wallet code topics


edit:

IMPORTANT is to understand minting after 30 days of coin age is the normal case and not minting after 7 days......
the split stake that happens between 7-30 days coin age is happening to break large coin pile into smaller parts
and to make sure there is always enought coin pile compete for POS blocks in network

the work against this mechanics by (ab)use the advanced "coin control" tool is not the way how this tool is meant to be used

i understand that lot other pos coins are such bad designed that there always only split stake happens and that force people to use "coin control" to avoid dust filled wallets

but that is not the case for DMD Diamond

[Boffin1818]

So you think its okay for the people who run this coin to set up a cloudmining service which they also run and profit from, then change the currency mechanics to offer a higher reward for the people who invest in their service?  Your argument is we can all invest in this scheme to enrich the people who run the cloudmining service and the currency at the same time?  You see no conlfict of interest in this?

Anyone could have set up the cloudmining project,  anyone can take BTC and convert them to DMD.   Helmut/Cryptonit set the service up to control a portion of the buy pressure.  Providing continued, controlled, and stable buying, remember that word used STABLIZATION.  I am fairly certain any profit that is generated is put into more buy pressure and put into the currency stabilization mechanics.  The service and buy pressure on DMD are clearly shown, no one argues that point at all.  I view the service as a needed resource until the time of more adoption occurs with the coin.  Remember the Dev Teams coin ROLL OUT PLAN.   It is planly clear your view of the project is from a pure skeptic who wants nothing to do with the project and your risk tolerance is minimal at best assumption.   No one should invest $$$ they 100% cannot lose or view as a no return loss.   SO you shouldn’t be rewarded and stick with the vanilla plan and continue mining the coin.  
Where is the conflict of interest? My interest lays that same as the DEV team.  Helmut, and the entire DEV team want the coin to become a success as do ALL OF US WHO MINE, HORDE it and would like to acquire more.   Not simply dump it.   I am sure Helmut is not going to put himself out on LinkedIn as he has to "sucker people"....  I think his intentions are bigger and he appears to want more from the coin.
  
Like I said earlier, if the cloudmining operators want to give a higher reward for Cloudmining investors they should take it out of their own pockets.  Changing the rules of the currency to attract investors because they can is just plain unethical.  

Define for me how the rules are changing?  POS in a one off special wallet that runs at 200% that is open to everyone and provides incentive to apply buying pressure to the coin.  Remember they stated the first round would go to cloudmining investors.  WHAT IS THE HARM HERE?   Why should the DEV team come out of pocket for this?  Who in the community is the reactor hurting?  The investors are given a bigger proportion of reward to risk the ones providing the buying pressure.   POS coin plan also meets the dev teams time table.

And for the record, I can afford to invest in cloudmining but I choose not to.  Its equally interesting to see the ones who support this scheme the most are the ones who invested in Cloudmining and benefit the most.

Key wording in this is YOU CHOOSE NOT TO. But you stomp your feet and cry foul if people who did invest are given priority in a line.  Life in general is a collection of choices,  If the coin turns out to be a very successful project and everyone here is rewarded by there efforts you will be one of the first people to think back and wish you had done more to generate a better return.   GREED IS GOOD.

At the time being though how is the DEV team and all the work they are doing rewarded?  
Helmut has been nothing but open and honest about the cloudmining Service.  I see DMD hit my wallet on a daily basis from cloudminig.  But I also am not as guarded and risk intolerant.  Again CHOICE.