Constructive Critique?! Sure.. Start with yourself - blaming your inability to see opportunities in failed customer UXE on-boarding. The Aggro Blame agent Dielectic speak is tired. Coming off as superior for being all knowing in a nascent technology - with a steep learning curve - to those not intimate to proprietary technology in a monetary transactional app - is kinda shallow don’t ya think? Yeah, you do wanna apologize to me for yer Finger emoji- let’s start there. Or not.