Defend tides? Not sure what you mean here - I think the sentiment online (minus some of the trolls in this thread) has been pretty good in the recent months. Lots of investors flooding the market which happens to take loans off the marketplace at a rapid pace. AutoInvest has gotten a lot of attraction as well & success for many. You're right though we are always looking for quality borrowers. If you know some use that referral code so you get a cut too!