then I want to see all these bad ass brokers claiming "it is business to business and who cares, the merchant signed it" will do when the Attorney General asks for the files regarding underwriting standards and how they came to determine the merchant could handle the payments...."oh wait, you have NO WRITTEN UW Guidelines? OK, let's see your financials then..."

That is what happens when you have a business saturated with younger folks who pay no attention to history, or think "things are different now." This story has been repeated in American history, and in most of our lifetimes (which is a scary thought)