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Was thinking if a merchant is dead set on activating mandatory reconciliation clause immediately after funding how will that work? Because technically they can if deposits drop day right after according to the i's and t's of law if fully explored. Defaults do not truly exist as MCA is not a loan and risk leans on funders not merchants according to new case law. With that; #1 - If a seasoned merchant does this from the gate, how would that affect commission "PAID OUT" if at all? As old rules it is considered a "default" or "lowered-payment". Future commissions could be % like reverses I assume. #2 - If this catches on and merchants employ this as a regular strategy for savings it would basically produce denials for future funding limiting stacking which is a cure as per old system. #3 - And if no such thing as a default how will funders classify or recognize reconciliation for what it is vs default or lowered-payment? Some questions I have...

Last week OpenAI released their latest version Chat GPT, which is Chat-GPT4o. When Chat GPT was first released 18 months ago it was version 3.5, then 4, then 4-Turbo... (and lots of minor iterations in-between those massive improvements) There are some major differences between these, here's the breakdown: Speed: How fast the GPT can answer your questions. Chat GPT-4o is the fastest, followed by Chat GPT-4 Turbo, and then Chat GPT-3.5. Price: How much it costs to use GPT. Chat GPT-4o is the cheapest, followed by Chat GPT-4 Turbo, and then Chat GPT-3.5. Input Length: How many words or characters you can use when asking a question. Chat GPT-4 Turbo and Chat GPT-4o can handle really long questions (128K tokens), while Chat GPT-3.5 can only handle shorter ones (2048 tokens). Knowledge Cutoff: How up-to-date the GPT's knowledge is. All three have knowledge up to April 2023, but Chat GPT-4 Turbo and Chat GPT-4o have more recent information up to October of '23. Multimodal Capabilities: What types of media the GPT can understand and respond to. Chat GPT-4o can handle text, images, audio, and video, while Chat GPT-4 Turbo can only handle text and images. Chat GPT-3.5 can only handle text. Reasoning and Coding Intelligence: How well GPT can think and solve problems. Chat GPT-4o is the best, followed by Chat GPT-4 Turbo, and then Chat GPT-3.5. Multilingual Support: How well GPT can understand and respond to different languages. Chat GPT-4o is the best, followed by Chat GPT-4 Turbo, and then Chat GPT-3.5. Vision and Audio Understanding: How well the it can understand and interpret images and audio. Chat GPT-4o is the best, followed by Chat GPT-4 Turbo, and then Chat GPT-3.5. Response Time: How fast the robot responds to your questions. Chat GPT-4o is the fastest (average response time of 320 milliseconds, which is comparable to a human, which will be great for voice), followed by Chat GPT-4 Turbo, and then Chat GPT-3.5. Context Window: How much context it can understand when answering questions. Chat GPT-4o has the longest context window, followed by Chat GPT-4 Turbo, and then Chat GPT-3.5.

Can anyone point me to an investor or lender that may do these type of high end loans..

Having a debate with someone Without any context: What percentage of your leads are UCCs? If you don't want to answer that question: Are UCCs part of your lead lists on a regular basis? Burners welcome, given the circumstances

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