Ark, not sure if you are being sarcastic about what my opinion is (LOL),  but I think its all good.  Very surprised they got something else going so quickly,  but I think they figured it out in the DD process and probably will make the $600K back quickly.  I'm happier with this I think.  Slow and steady wins the race.  Would be interested to understand the magnitude of dollars they will generate off this, but we are going to have to wait until the final binding agreement is signed.  Picking up a partner in what seems to be a low margin business and to do it more cost effectively for the consumer will hopefully lead to bigger volumes of use and more profit.  Perhaps at one point, they buy the partner out, but perhaps we are better off to latch onto multiple remittance partners.  Not sure.  They know better than me, but it is good news.  All the best.