You are probably correct in that I don't doubt you that I got that detail wrong. I'm sorry I got these details wrong, but I still think my point stands. Aaron,

You are probably correct in that I don't doubt you that I got that detail wrong. I'm sorry I got these details wrong, but I still think my point stands. Aaron, I'm giving you support through tough love. I'm telling you that the way you show up on these threads and behave isn't doing you any favors. That's all. I appreciate the effort to campaign for this -- long term it's probably a good thing for startups assuming you can set the right precedent. However, it goes back to the resourcefulness bit, in the long term my money is on Dwolla succeeding because they are focused on building stuff and skirting the regulation. I know you've had issues getting VC money, and I think this is why. I'm not trying to start a flame war, just some suggestions on how you appear to the HN population. I wish you the best of luck, and if nothing else you're very persistent.