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However , low rates of interest in the 1980s and 90s encouraged the rise of several Ponzi schemes in speculative ventures such as Sanchayita Investments , Overland Investment Company , Verona Credit and Commercial Investment Company .
 Ponzi schemes
Please list all entity words in the text that fit the category. Output format is "word1, word2". 
Option: location, person, organization 
Text: {0} 
Answer:
 Ponzi schemes