Appreciate the detailed explanation. It's very helpful. Since I hadn't done any customer validation, I guess I was just going by my own use case (married with 2 kids - group #1) as a reference. Now I understand and agree with you on #2 and #3. I really like what you are doing by working with agents and the idea of reaching out to local banks. Wish you all the best with Wrinq and the openresty book.
