come from the old risk underwriting team at paypal, although most of us are young acolytes of the finance sector. >> this is actually a result of youold paypal risk team, were brainstorming and came upon this. >> we asked ourselves if we don't really deep and did not put a veneer over the old rails and went to the core of the banking structure -- >> in the way that payments go through the banking structure. >> we were looking at the why has notd, someone taken this on and the answer was thery did not have to. >> give recipes of data that you use -- give us a piece of data that you use. >> we look at what he knew buying, where are you buying, and what the cost is. and based on that information, what the risk is. >> give me an item that would define risk in your profile. >> a mattress is a classic thing that someone who graduated college has to buy. f a debtst enough io in the cash flow that they have to decide whether or not to put on the credit card or to suck it up and sleep on the floor. decided to basically work full-time on this. you are looking for someo

>> reporter: to show you how to protect your family, "gma" investigates teamed up with underwriters laboratoriesne grills. this can be a big hazard. >> it could be if you don't do things right. >> reporter: first tip, check hoses for gas leaks. >> there's a bubble forming right here. >> that means there's a leak. >> reporter: and keep the lid open, when lighting the grill. >> like a ticking time bomb. >> reporter: and using this long pole, we ignite the grill. watch again, in slow motion. inside the grill, you see the gas buildup explode when we hit the ignition switch. >> that flame came here. >> reporter: charcoal grill. the grill should be ten feet away from your house. we put this grill too close to the demonstration house. after just a few minutes, the flames from the meat flare up. >> we have to move because it's getting too hot. not long after that, the entire home, in flames. a firefighter working with us, standing by to extinguish it. for "good morning america," alex perez, abc news, chicago. >> appreciate alex with the good suggestions. >>> the powerful video making waves saying our da