bullshit! these fuckers know just what the're doing! if you know your financial history, you know that schiff and maloney are from the house of the green shield which merged with the house of red shield.
you use other people's money and time. what you have to do is sell an idea to people so they will give you money. if you can get a product to market cheaply (a really good distrabutian plan) the product doesn't have to be that great, you just have to get it to market and a lot of it cheaply and fast.