Should Oversight pursue a partnership with Global Credit (GC) and/or Banking Worldwide (BW)? In making this decision, please specify the terms and conditions of a channel partnership, including price, exclusivity (or not), support, and the roles and responsibilities of Oversight and a channel partner. Which of these terms would you view as "must haves" if you were Patrick Taylor (CEO of Oversight), and which would you view as "nice to have"?