The real problem is that they are not supposed to be an investment company. They are supposed to be focused on assisting institutions that helps those with mental health issues and making sure that group of people in our society gets help. If they invest in a building for a mental health group, makes their money back but only 3% interest, but at the same time helps that group provide affordable care then that is BETTER than making 10% on the same money invested somewhere else. They are failing to focus on their goal and instead focusing on making money while the rest of society pays for their failure