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If you look at the people who currently are underserved or not served at all, who live on the margin of our financial system because they can't afford the cost of our current financial system, why wait ? i understand that there is a cost for the company and for all of us to do this right now, but the cost is much greater every day that the very people that we want to serve are not served... If you think about it that way, then there's just no better time. You have to move. You have to act.