[Chambo]

There are a couple out there. I'm fairly certain GRP is one of them.

We're 100% our own money be we are 99% direct channel and not looking to be big. Not at all. There's a big advantage to being 100% self funded. Strip out the cost of funds and you have a big price advantage. Same ROI at lower factors. Makes it easier to close deals too.

Only if you put out competitive offers. If you are conservative with your offers BECAUSE it is your own money, kind of defeats the purpose, no? You will stay small and will forever live in fear of getting stomped out by the "more visible" MCA's