[J.Celifarco]

Do you think these bigger companies like BFS, Rapid, Greenbox, Everest and Mantis that all stopped funding this week, are they tapping out from the market or more from overhead costs they can't sustain? I think the cost of not funding for these bloated companies with large administrative costs is shutting these guys down the most.

There are a lot of different reason and for each company its different. For the bigger shops with big lines a lot of it can have to do with restrictions being put on them from the people they are getting money from. For other companies that use algarithims to underwrite and make decisions a market like this makes the algorithm useless and they would rather wait till thinks level out before lending. Also there can be 50 other reasons but to try and say its any one thing is impossible