^Was that part of their (FC) shedding of over 300 brokers in 2017? it sounds like they were either unhappy with the one and done broker, and/or, the practices happening with the brokers they cutoff after they funded a deal.

The longer terms carry risk. For example, we see on banks a lot of stacking alongside BFS. Did they want to offer 18 months to only have that customer do a second? It's a tough call going out longer through wholesale models