Adam Fountain вЂ“ Yeah, there are many. Once more, we lend to guys with bad credit as I mentioned. We prefer to understand why some one has credit that is bad. Should they got torched into the downturn, should they had a breakup. All of those are pretty understandable. If someone has credit that is bad they donвЂ™t spend their bills, that may be a danger sign. We do, not just do, we do back ground and credit checks, we do individual financial statements. So weвЂ™re really sort of in search of indications as to how the debtor would respond whenever things got tough. Different things weвЂ™ve seen financial crimes on criminal background checks.