This is my first post to this site. I've been looking at this company for a while now. I like their concept and they're growing. These guys could have a licence to print mney if they do it right. I noticed they've got over 100 million to work with. If they can charge a few extra points then what they have to pay for this then the math is pretty simple. For every one percentage point spread, they make a million dollars. That should translate into a very healthy bottom line in the months and years ahead which would translate into a nice appreciation in their share price. Make it work boys.