After years in this industry, our belief is that most ex-cardholders didn't intend to default on their bill at the time they did. However, something happened and it resulted in a financial setback at that time in their life. We understand that from time to time everyone has financial difficulties, but we know that most people genuinely intend to pay their debt when they're back on their feet. Our goal is to resolve every bill before any action needs to be taken. Well the entire distinction is in what the goal of the conversation is. Most collections personnel that you’ve talked to about this bill and probably most of the other bills you’ve had in the past have wanted to get you to pay at all costs. The representatives that you’ll talk to at ARA Inc. want to find a solution to this problem, that everybody can live with. That's an important difference and one, which we have made the trademark of our business.