Hi BHW. I worked in risk and support for a major 'Buy Now, Pay Later' provider. I've seen the raw data: which product categories have the lowest fraud, which price points convert best with installment plans, and what merchant policies get you kicked off the platform. I'm using this insider knowledge to launch a home goods store. My goal is to master the other side: ads, branding, and supplier negotiation. I know the conversion secret sauce at checkout; I need to learn how to get people there.