True, Kabbage also figured this out early on. They invested millions$ in automation from day 1 and today all of that investment paid off as they have a much lower cost of acquisition for customer's and lower overhead to service customers without having to pay a broker 12-15 points to acquire a new customer. But, I still contend, the broker space will be with the B-D funder's and layering as a future forward model of this MCA business as the behemoths continue to automate and not rely on third party business.