I kind of took your original comment as condescending. "That is ridiculous. Would you invest 13k in a project that promised you only your money back in 12 months? That's essentially what you are doing." Now, that could definitely just be me reading in tone that was not meant to be there. I wasn't really offended by it because it doesn't really bother me if people think I'm being an idiot (a.) I am sometimes an idiot, b.) it's easy to shrug that stuff off). It didn't really come across as, "Oh I'm offering you advice". -Again tone on the internet is often something that's hard to communicate.