Hi Michelle, Great insights and comments! Thank you for sharing! I think your question is valid regarding why institutions would want to consider using the old placement model in today's economy. For institutions to change, we really are talking about a cultural shift that requires buy-in from the top. That's a tall order for anyone, particularly when one may not have the authority to implement change from the top down. In that case, what ideas might you have on how one could champion change from the bottom up? Robert Starks Jr.