Most of the layers do their own form of "due diligence" though; the problem is that too often that is based on gut instinct rather than facts. Don't get me wro

Most of the layers do their own form of "due diligence" though; the problem is that too often that is based on gut instinct rather than facts. Don't get me wrong; instinct is a crucial part of it. But when there are zero facts to support that instinct it becomes a problem :)