I think a lot of their volume is peer-to-peer, though, and there&#x27;s nothing saying this $22m was from an institution and not a rich individual (though an institution seems more likely). I imagine this is more of a case of &quot;I have a lot more money than your normal customer so I want special treatment&quot; and Lendingclub then abusing that to take advantage of the investor. I wonder if the investor had taken their $22m to the automated web platform and setup their investment criteria if this would never have occurred.