However, the danger is that individuals and corporations might not understand the value or operation of the investments being sold. It sounds like another Millennium Dome. This makes for a bad investment project. Under RAMP methodology, there are minimum criteria for a successful and desired result:
Clearly stated and understood objectives.
Defined scope of the project investment.
Clear responsibilities and project ownership of these parties.
Estimated budget for the project.
Defined end-state for the project.
Milestone date of project end.
Under extremely unclear financial engineering or complex business lines where none of the above conditions exist, then a successful outcome is very unlikely. Thus, clients may be occasionally oversold derivative products and inappropriate investment strategies. It is not just the banks and investment funds who have lost. The main losers are the humble private investors.