Can you explain this proprietary concept of factor-cost rebates, what sound principles you've enacted to withstand the upcoming recession and how that translates to benefit the brokers and clients people bring to you - that are not the typical new funder "send me C-F paper 1.499 40 day terms paying 17%!!!" ?

When did you open? Would you say you're already a "leading" funding firm in the space, or well on your way to getting there?

Thanks!