I agree with some of this. We have lost deals when the sub broker insisted on highest commission possible and not what's best for the customer. It is usually always, max max max on funding size and commissions. The direct sales side of the business doesn't have this pressure. They can undercut brokers all day long with lower rates and retention is better. I understand everyone has to get paid for their work, but, there is a breaking point where it isn't about the merchant, rather, compensation first. We see less issues when its a lower credit file or high risk SIC on rates, but, on clean deals, upselling 10-12 points is a recipe to get undercut with so much online data out there for the merchant to explore. If the merchant isnt aware round 1, they will be come time for renewal of what's out there