We are not regulated, and therefore are not subject to the scrutiny of regulators. Because we deploy our own capital, and evaluate risk as we see it, we are only limited by our view of an acceptable risk for an appropriate return on that risk. By not being reliant on depositors funds, which are insured by the US taxpayer through the FDIC, we are limited only by the appetite of risk we are willing to accept and the amount of capital we have to deploy. We provide access to capital when it is not available from a bank, that is our mission.