is there a study that has been done per SIC, what the max gross pull should be, on a macro level. what factual evidence do we have that states what a salon, auto repair, restaurant, manufacturer, dentist, etc can handle in repayment. does the onerous lie with the business owner on what they can handle? some funders cap 4-14% of gross on first pos based on industry and other metrics. some low offers actually activate the stacking because of the shortage of funds received on first, or, when renewals forces a merchant to wait 50-60% paid down, but an emergency occurs, and they need a quick injection that day and can't wait 2-3 more months. a lot of variables in play here as to why stacking has become part of this business.