You made some good points about direct integrations - some of the public APIs we deal with are totally separate from the brokerages' internal APIs and that's made painfully apparent during an integration. It has taken us months to get access to prod keys at some of the largest institutions and many of them seek to impose pretty onerous conditions on our customers and their users once we get through their compliance processes. Still, we've seen brokerages becoming more receptive to the idea of opening up their APIs, so we're optimistic that we can form partnerships with them and nudge them toward building better public APIs.