Sean- got a copy in the mail- nice job. Could become the green sheet of the alternative lending space. I liked the section with rianda and the unknown of doing ach and what could come about it from a legal standpoint. From a standpoint of loans and ach fixed dailys, I believe from a compliance standpoint there are only a few funders who have a chartered bank that allows this to occur without usury violations. Not much was mentioned about that but I think with time it will be more accepted as a standard for doing fixed daily or weekly repayments. When you study Utah banking laws for example, you learn how bank friendly that state is -