MCA survived 9/11, the twin Hurricane hits of Katrina and Rita, and the Great Recession. All these events winnowed out some of the bad players, and the ones who were left standing grabbed market share and did well in the aftermath. Pent-up demand for capital in 4Q will be incredible (that's obviously only my opinion on how the timing will work out), and Funders need to be ready to meet merchants at their point of need.