Thanks for the commentary gentleman. As we all know there is no funder out there that is ALL things to ALL people. And we're not trying to be On Deck either. We simply have made many strides over the years that we have been a funder and we now have pricing that matches up or beats most in the industry (again On Deck aside). We've made it easier to get files funded too. Are we perfect? Of course not but tell me who is? But if you want to get involved with us now is the best time to do it. We continue to make positive tweaks and are always trying our best to make life easy for our ISO's and the merchants they represent. More positive announcements coming down the pike too. Looking forward to a big 2015 for everyone!