Thank you for the comment. It was my understanding now, for the first time, companies using popular accounting software (in the cloud) were actively encouraged to 'sync' their payment data (including outstanding debts/bills to be paid) in order to receive free insight to real-time payment data of companies they do business with. This then builds a huge database of 'the state of companies'. A lot of credit ratings are based up on historical data, not real-time date. Would you mind sharing your angle?