What changed in this filing

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Item 1A. Risk Factors

2019-05-14 compared with 2019-02-19 · 21 added, 21 removed, 118 unchanged (26% of the section changed)

8 unchanged sentences

and difficulties frequently encountered by companies in rapidly evolving markets.

The Company will need

additional financing to implement its business plan.

The Company will need additional financing to fully implement

its business plan in a manner that not only continues to expand an already established direct-to-consumer approach, but also

allows the Company to establish a stronger brand name in all the areas in which it operates.

In particular, the Company will

need additional financing to:

The Company will need additional

financing to implement its business plan.

The Company will need additional financing to fully implement its business plan

in a manner that not only continues to expand an already established direct-to-consumer approach, but also allows the Company to

establish a stronger brand name in all the areas in which it operates.

In particular, the Company will need additional financing

Effectuate its business plan and further develop its product and service lines;

11 unchanged sentences

services are subject to changes in applicable laws and regulations .

The Company’s business is particularly

subject to changing federal and state laws and regulations related to the provision of financial services to consumers.

The Company’s business is particularly subject

to changing federal and state laws and regulations related to the provision of financial services to consumers.

The Company’s

6 unchanged sentences

substantial competition in its business .

The Company believes that existing and new competitors will continue to

improve their products and services, as well as introduce new products and services with competitive price and performance characteristics.

The Company believes that existing and new competitors will continue to improve

their products and services, as well as introduce new products and services with competitive price and performance characteristics.

The Company expects that it must continue to innovate, and to invest in product development and productivity improvements, to compete

19 unchanged sentences

manage its growth .

The Company’s success will depend upon the expansion of its operations and the effective

management of its growth, which will place a significant strain on its management and on its administrative, operational and financial

To manage this growth, it must expand its facilities, augment its operational, financial and management systems, and

hire and train additional qualified personnel.

The Company’s success will depend upon the expansion of its operations and the effective management

of its growth, which will place a significant strain on its management and on its administrative, operational and financial resources.

To manage this growth, it must expand its facilities, augment its operational, financial and management systems, and hire and train

additional qualified personnel.

If it is unable to manage its growth effectively, its business would be harmed.

1 unchanged sentence

officers, and their knowledge of its business and technical expertise would be difficult to replace .

is highly dependent on its executive officers.

If one or more of the Company's senior executives or other key personnel are unable

or unwilling to continue in their present positions, the Company may not be able to replace them easily or at all, and the Company’s

business may be disrupted.

Competition for senior management personnel is intense, the pool of qualified candidates is very limited,

and it may not be able to retain the services of its senior executives or attract and retain high-quality senior executives in

The Company is highly

dependent on its executive officers.

If one or more of the Company's senior executives or other key personnel are unable or unwilling

to continue in their present positions, the Company may not be able to replace them easily or at all, and the Company’s business

may be disrupted.

Competition for senior management personnel is intense, the pool of qualified candidates is very limited, and

it may not be able to retain the services of its senior executives or attract and retain high-quality senior executives in the

Such failure could have a material adverse effect on the Company's business, financial condition and results of operations.

63 unchanged sentences

Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.

What changed 10-Q

Item 1A. Risk Factors