Vince Phanm doesn’t need his college classes in finance to know that his latest investment was an unfortunate one. In May, the 39-year-old San Jose resident sank $250,000 into the purchase of a new crab boat, the 45-foot Five Stars, and docked it in Santa Cruz. On Monday, however, the roughly 50 commercial fishermen at the Santa Cruz harbor caught a small break. The U.S.