I have just taken a look at your documentation! It seems very good. I definitely underestimated how advanced you are currently. It'll be interested to see how this plays out. You'll be tested by very smart people.

Right off the bat one thing you should really try to change is the lack of MFA by Wells Fargo. You should beg and plead to have them do something. They're by far the most available and cheapest accounts sold online.