Again, to be clear, I'm not saying high rate=bad, nothing of the sort. I'm saying more companies need to look at the merchants and see if what they are offering is a suitable product -- if it's solely about "getting paid back" on a short term deal, that's a problem. Several of the "high risk" companies, such as Elevate from what I know about their company through Heather, are looking at it the right way, and addressing an under served portion of the market without stacking merchants (into oblivion) -- and they are trying to structure their product from a "suitability" standpoint, not just a "can i get paid back regardless of what happens to the business" standpoint. That's a big, and extremely important, difference. Everyone, my company included, needs to stay focused on product and cost suitability.