Operators generally set up a website offering an investment program which promises returns as high as 45% per month or 6% a day, disclosing little or no detail about the underlying management, location, or other aspects of how money is to be invested. The U.S. Securities and Exchange Commission (SEC) has said that "these fraudulent schemes involve the purported issuance, trading, or use of so called 'prime' bank, 'prime' European bank or 'prime' world bank financial instruments, or other 'high yield investment programs.' (HYIP's) The fraud artists seek to mislead investors by suggesting that well regarded and financially sound institutions participate in these bogus programs. the Financial Industry Regulatory Authority (FINRA) warned that the con artists behind HYIPs are experts at using social media including YouTube, Twitter and Facebook to lure investors and create the illusion of social consensus that these investments are legitimate.................................