You are standing in the line at Starbucks in the PMU. You accidently overhear a conversation between two students in front of you. One student says " My father told me that he got a phone call yesterday and the caller was offering him an opportunity to invest $100,000 in a diversified stock portfolio. The investment was described as being guaranteed to pay an annual rate of return of 20% for the next 10 years." The other student replied " Wow, that is a great opportunity! I wish I got phone calls like that! I could get rich!" In less that 60 words, summarize your thoughts about this opportunity.