(AP) COLORADO SPRINGS, Colo. The American Numismatic Association, a nonprofit group that educates hobbyists about coin collecting and money, certainly knows how to lose it.For the past four years, the Colorado Springs-based organization has operated at a loss of hundreds of thousands of dollars a year.But that's just one of its problems.The 115-year-old group, federally chartered as an educational, historical and scientific organization, is beset by questions over its finances and complaints that its leadership fosters a culture of excessive secrecy and demands loyalty oaths.Some of the group's 32,000-plus members blame the turmoil on Christopher Cipoletti, a lawyer who took the helm as executive director in 2003.Cipoletti rejects the criticism and maintains that the organization is financially sound, is more open about its dealings than ever before and is expanding its membership and programs.And he has taken aim at some of his loudest critics.