Hi Saamee LC is busy for sure and I am also retired and unless I am sitting at home with the computer on refresh it is very difficult to get loans. However, last 10 days I have managed to get 7 loans but have had 4 repaid and one reversed. Not good really, but I am still withdrawing Harmoney and after 5 years of plugging away at this P2P stuff the incentive is wearing off some so no extra funds going in now for the last year or so and not sure that I will add anything in the future either. I detect a slight rise in term deposits at the banks lately if you negotiate and find that interesting.