I have a b.s. in finance and I still do not understand how to invest and years ago I was ripped off by a penny stock. I wanted to clean up the otc market by applying the broken window theory bc I believe it does not have to be as wild, and at the same time teach basic investing. I do not know it my desire to teach investing in realistic however. Anyway, if I were to do it, I would want to do it by emphasizing a qualitative factor, specifically the companies strategy for growth and then ratios that support this strategy.