I agree with you. Also I have noticed with our portfolio, the merchants that take the longer terms ALWAYS come back asking for more money way before they qualify for more. In my experience, 95% of merchants either A. takes funding one time and will never touch a cash advance again, or B. are serial cash advance takers, they want to renew at least once or twice a year. 6-12 month terms are the best for them, anything past 12 months and they cannot get the funding as often as they need it. This makes them stack, which is basically a death blow to the merchant.