A few swear words, but it's ok.  I've caused a bit of shit for one of the people concerned.  But it's history now, and overall coin income is pretty good.  The scale I'm dealing with, while not as big as some other people, is still pretty substantial.  So I know there are some risks involved and potential to lose serious money on some of the loans I have out in the wild.

Also, and this isn't a secret, I have a separate portfolio of deposits/investments that sit outside of the Starfish BCB.  It provides the coverage I need, for instance, to support the deposits that I take, and also helps balance out some of the loan losses.