The short answer to this is that by partnering with a bank (we have before and will continue some relationshops we&#x27;ve already started) you are limited by their underlying technology platform in the data you get, the data you pull out and anything you&#x27;d like to do with that information. Even how you&#x27;d like to show it to the customer.<p>Everything is vetted through their counsel and their management team and your hands are always tied by their wishes.<p>While you might be able to find a super innovative bank that allows you to have some creative freedom its really the difference in owning a home vs renting a home (even if you have a very lenient landlord).<p>When you own it decisions are yours to be made, good bad or ugly, when someone else does there is always someone to answer to and there is always a period of time that has to pass between thought and action.<p>That period of time in a small and nimble startup we believe is the difference in success and failure