Definitely a slow getting-started process to ensure I know all the appropriate ins and outs of the business and to make sure I have my license before taking applications. However that's not really a con for the company, I appreciate their attention to detail, as everything we do involves different layers of risk, especially when it comes to people's credit, but I am just a very much hands on type of learner and get distracted fast if I'm not constantly doing something new or learning something.