With the declining interest rate--I don't know what other members get on their savings account. If I had one, I don't think I'd be getting too much--my guess is that it's about 1% or 2% return on your average savings account. That means you're going to need at least $3 billion worth of investment in your first year just to get a rough equivalent to what you're spending on your program.
In terms of your projections, how much money do you think people are actually going to put into this?