TBay, looks like you have some competition from arnoldaley. I know I was interested in your offer but his seems to have a much higher return and it is an an exciting exotic market. Why should I stay with you instead of arnoldaley?

With me it's very low risk

I don't think you know what risk means.

4% sounds too risky for me, can you do safer investments and return no more than 3% for me?

I'll do you 2.5% at the lowest risk possible.