The simultaneous contracts could be arranged to replicate any agreed interest rate while providing legal protection against default on one side and loan sharking on the other.

FORBES: Magazine Article

At Prosper and Lending Club, lenders must be willing to take the gamble that they'll get paid back at the agreed upon interest rate. (These companies offer no guarantees).

FORBES: Banking 2.0: New Capital Connections For Entrepreneurs

He revealed that 5% to 7% of players who agreed to random testing in 2003 wound up testing positive, though he figures the actual usage rate to be much higher, since drugs like Human Growth Hormone can't be detected in tests.

FORBES: Magazine Article