Bernie Madoff was in a league of his own, but there were smaller ponzi schemers all over. The latest to be accused is money manager Daren Palmer of Idaho Falls, Idaho. State securities regulators claim his scheme cost investors up to $100 million. To start with, neither Palmer nor his firm was registered with state regulators though promised annual returns of 25 percent to 40 percent were made. Now a formal investigation is under way, after authorities met with 30 investors who expressed concerns. "He just seemed so legit," one client said. "He grew up in the area."