That’s when we got to work. We broke the problem down into all its component parts. What types of retailers are returning the most? Who isn’t paying? What types of products are driving the most returns? We tweaked some of the rules of the marketplace, imposed credit limits on retailers, re-ranked makers and products, and made it easier for retailers to pay their invoices. Within six months, our team had brought return rates down by 75%, cut defaults by almost 90%, and made other changes to get the marketplace to profitability.