13. Per the Fraud Examiners Manual, all of the following are true about Pyramids EXCEPT? A. Pyramid schemes are designed to pay off a business's earliest investors, but not their later investors. B. All organizations with a pyramid structure are engaging in illegal activity. C. An illegal pyramid scheme is an operation that generates revenue by continually recruiting new members. D. 93-95% of participants in a pyramid scheme will lose most of their money