I didn't mean to offend anyone on the college thread. BTW could you tell me how you cold emailed a bunch of people that let you talk to successful founders, the primary application reviewer for Y Combinator, angel investors, VCs (all in real life) as well as executives of Remittance and Peer-to-peer lending companies (by email)? Also, what skills did you learn for the FinTech startup? Just curious. Thanks.