With smart contracts, there is still a retainer if you consider funds held in escrow, except if an obligation of the contract is not met, those funds are released back to you. But that is primarily related to parties in an agreement. Overall, our platform eliminates the need for third party council because it is significantly cheaper, more effective, and applicable across borders independent of any jurisdiction. I really do believe in a few years time a decentralized platform like ours will be the main regulatory body within the crypto ecosystem, giving people more confidence to transition over on a massive scale.