LOL Well, in Wisconsin they have a condition that states if you go and look for a loan yourself, then it is not required for the lender to be licensed. Whereas if the lender solicits you directly, then they have to be licensed since they are asking you for their business. So the DFI examiner is trying to figure out whether one the internet sites was directly affiliated with AIP because if it were, then they really can't help out...but if my info was passed on as a lead and they decided to contact me, then they have a more concrete case.