RE:$200 million short form prospectus filed on sedarthey dont use deposit moeny like HCG does. So they wont be running into that problem at all. thier default rate was low and getting lower I think, per last release. they plan to hit $500MM in loans within a couple years max as thier other goal. and while insiders may hold X amount, you can be sure they have friends with pockets who are along for the ride as well and sitting on thier shares just as tightly