<prompt> Human: So I have been diversifying my investments, some more risky and some less. I stumbled onto Lending club and didnt know how I felt about the security of it. I have some into a no penalty CD, most into stocks, some into betterment, and was thinking about putting about 10k into lending club. I didnt know your thoughts and was open to suggestions if it was a good idea or not.  <response>: See MMMs experiment in Lending Club for some well-documented experience. 