I very much like the dynamic and clarity. I chose to stay and work and invest time and money because I see my name wouldn't be compromised when involving clients from my insurance site of business. You guys did a right offer and never changed it. This is very powerful in any deal. I tried to deal with a small bank, but they don't talk. They don't have any pre qualifying system, so usually your time and their time is waisted plus some money from your site or / and a hit on your credit score. Same like all these business loans companies calling and terrorizing you day and night.
Long story short: your system fits my moral obligations to the client.