On the contrary, a lot of what we try to do is longer-term behavior modification - "gamification" of the "get out of debt" process if you will. Once you sign up you'll get monthly and weekly "goals" that we encourage you to complete, simple things which take no more than 10-20 minutes each, but will effect longer-term change in the way you use and view credit. Alot of this isn't visible from the front-end yet, but we'll be adding more material as times goes on.