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a4architect.com 10B = over 140K transactions of the maximum amount 70K.
This to random a/c's.
The complaints/celebrations of free money, even to 10 A/C's, do you think would fly under the radar [at least of the social media] ?
And the complaints by competitors ?
Surely these would never just fly under the 'radar' of the regulator.
Self regulation due to competition is a bigger check on the hypothetical occurrences as opposed to the regulator.
Live and learn; and don’t forget, nothing ventured, nothing gained.