I would also mention, BFX is no longer the only game in town when it comes to P2P margin lending.  And the other sites doing it don't have any kind of FRR to manipulate the market.  I've always been a huge fan of BFX's, but business is business, and if they don't do something to fix the broken system they have in place with FRR, I'm pretty sure at least some of my $ will be moving on soon.