Hey everyone, I wanted to check in at least this one final time. Feel kind of obligated now. If you've gone to their site recently, you'll see that the interest rates have changed again, and much of the guaranteed language has been removed. An account manager reached out to me, and has let me know that as I suspected, this is due to SEC regulations about what language they are allowed to use as well as making sure their business model is sustainable for a PPM. I have been assured that my interest (fortunately) will stay the same, and if it changes they'll let me know with 30 days notice. That said, you guys have a much different decision ahead of you. I'm still getting great service and fast payouts, but I also know its a way different offering now for new customers. I likely won't get back on and post, b/c things are so different now. Just wanted to give you one final heads up. Good luck everyone, take care.