I apologize that you have been completely misinformed. I checked around to see what you were referring to... when we launched the ISO program 8 years ago, it was more like a glorified referral partner program. ISOs were not so well versed on our loan documents and yes, a rep would do the leg work on the deal to get it closed. When the ISO program evolved and ISOs wanted more control over their own deals, that process was done away with. In the 4.5 years I've been with ARF, I have never closed a deal in that fashion.