[Christian]

Let us all remember your name, someone that pushes bad merchants for funding. "Complicity is the act of helping or encouraging another individual to commit a crime. It is also commonly referred to as aiding and abetting. One who is complicit is said to be an accomplice. But, even though an accomplice does not actually commit the crime, his or her actions helped someone in the commission of the crime."

So if that merchant every defaulted again you are an aid to that!

Hmmmm.