Another thought - if the restaurant gives up $20K of revenue, and the diners earn a 20% cut of that = $4K (assuming 20% cash back or 2 cpm and 10 miles/$), iDine is getting 60% interest on the loan ($6K/$10K). Pretty good if they get paid back in a year to 18 months - those are VC type returns. OTOH if it takes 3 years not so great for iDine.