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Yes, one drawback of BOCI is its high threshold for certain services, especially for more sophisticated investment products like stock issuance and mergers. As a retail investor, I might not have access to some of these high-end offerings without meeting specific criteria. Additionally, the complex fee structure could make it challenging for me to fully understand the costs involved in using the platform. These factors may limit its appeal to those who are looking for simpler and more affordable trading options.