I am going to agree with Marcus Clapman on this one. The marketplace for business lending as saturated as it may seem, is not even close to reaching the potential of business owners that need help. The reality is there is over 525,000 new business created each year in the US. Over half will fail over the first 18 months. That leaves a tremendous opportunity for our industry products to mature and evolve. Traditional banks approval ratio on business loans is so minimal, where else are business owners going to go? The cream always rises to the top.