Cole Memorandum is for approved Banking entities. Question, where is PBC's regulatory stamp of approval to function as a Banking mechanism to take deposits again legally?? We all know there was NO DOUBT JC/PBC was willing to take deposits from companies like CANN and perform a side-car banking function. The reality is Any competent CEO would be on the loud speaker or yelling off roof tops if they had regulatory approval and legal ability to perform banking functions for MJ related monies imho and this RM would be closed and functioning. Believe me Willie I hate being the Devil's advocate as I was truly hoping this JC cat had found a loophole for MJ banking. But hope is B$ in the business world.imo