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Totally agree with Paulah -- read everything above! Re the Swiss annuity thing -- a SCAM. Joe Potter was involved with one in Costa Rica, called Lloyd's, which everyone assumed was the famous Llyod's of London -- a reputable organization well over 200 years old. But, it was Lloyd's of Panama -- with a cheesy web site, no history, and probably gone by now. Annuities "guarantee" payment over a long period of time -- Potter talked about 20 years. Right! An organization with a web site that was set up six months ago, and which probably will not be around six months from now you trust to provide an annual payment -- for the next 20 years??? Get real! Get out of this as fast as you can -- and spread the word as far as you can through complaints to everyone you can think of (many are mentioned here and on other RedWeek forums). Good luck -- and be thankful you're not spending more good money after bad. PS -- I wish someone would truly kick the sh...t out of those scumbags...