Kristi from Braintree here. Admittedly, our legacy bank relationships left us as the middle man to their risk departments. This may be what you are referring to when you mention the "ludicrously strict risk team." This is no longer the case. Starting with the launch of our instant product, we brought risk in house. We are able to use our years of experience working with startups to develop risk processes that help us build relationships, not get in your way.