I heard there was a lot of talk about PEP's. I just want to say in a past life I  rejected bank accounts because they were PEPs. I'll say many of the team members did so because PEPs, or EDD, was a risk-mitigation tool, but I can first-hand tell you that it definitely can be used for far worse and the easiest way to reject an account, just cause. 

My brain feels different without all the clanking. Granted, I think some clanking is good.

/grey - terminally ochain dad & spouse, building products on frontier solutions w frontier people.

PEPs and EDD can be used to reject accounts without valid reason. Clanking can be beneficial in moderation