Oh, Sage. To start let me say that I've had no problems with them whatsoever. However, I'm not really happy with them right now. I call about 2 months ago to get a review and to see if I could get a better deal with them. I was told "of course" and my rates would more than likely be lowered due to changes in my volume, average ticket, etc. Anyway, I looked forward to seeing the results on my next statement. When it arrived no change. I've not heard from them on the matter either. I feel like I wasn't worthy of their time. I am currently looking at other options. Cornerstone is one that I am leaning toward heavily.