How do you plan on properly distiguishing " the good apples and the bad apples " when you are clearly not in the trenches/dont want to try and originate and dont have anyone on your team who has legitimate experience as a broker. I'm not against the general idea of reforming security aspects of the industry to protect the merchants... but it sounds like you are just going after the attention and "accountability" of A paper lenders who have left you salty and in their dust...