let's talk with marc gorlin. he is the co- founder of kabbage, and you advance money, give cash to companies so they can get up and going. let me ask you about these things that they need to do. one of the points you make, very importantly, is don't mix your personal and professional accounts. - there are many reasons for that. one is you just want to separate out for taxes, for keeping your books straight, and to prove that you are really running a business by keeping it separated. the other is there is a dirty secret around personal credit and business credit. - so using your credit card to pay your business expenses. - and a lot of companies have to do it. it's very natural that you'd want to do that. but every time you max out your credit cards over the holiday season to get inventory, you are lowering your personal credit score, and that is making it harder for you to get business credit in the future. so it is important, as soon as you can, to separate those out. - you make the point of, you need to beg and