Have you guys heard of Prosper.com? It's a web site in which everyday people can petition for loans. The site will ask you for identifying information, a bank account, and information to determine your credit score and your debt-to-income ratio. Other site members can front you money for your loan, and once it's funded, you'll receive your money transferred to your account. The idea is to tell a story of not just how much you want, but why you want it in order to appeal to other people. Once funded, you take on a 3 year loan that requires you to pay off or else face adverse financial consequences (like a knock on your credit score). Here's my first listing. Anyway, basics out of the way... The site enables people to band together to form "groups" as a way of protecting financial interests and minimizing risks. Ideally, group members finance each other and build a site reputation, especially good if people pay on time. I was talking about it with a buddy on here, and we think it'd be great if LPSGers got Prosper accounts, endorsed their friends, and then financially backed each other. It only takes $50 to initiate a bid. And to think of the vision here: a bunch of big dicks certainly not acting like big dicks, helping each other, a real community. Heh, what do you think?