So that’s something that I…again, it simply dates back to a truly advanced data driven approach trying to cut and dice the info nevertheless we could and determine which portions have actually an increased anticipated loan that is first in accordance with purchase expense and which sections don’t. We will forego that revenue and we won’t mail and, you know, we kind of stay true to that disciplined approach if they don’t.

Peter: Right, appropriate. Okay, and so I like to ask you about competition plus it’s kind of a two component concern. The initial component is i'd like to talk about US Bank since it’s the very first time…I’m sure you saw the news headlines recently, they have been establishing a non prime item, i believe it is nearly the same as everything you have actually, like one thousand dollar typical loan, six thirty days duration type thing therefore interested to obtain your just take on what you see the banking institutions as a possible competitor because we imagine before that the banks were pretty much…they weren't in this area just about after all.

Additionally, you can find demonstrably other people into the non bank area who're seeking these exact exact exact same clients and exactly how you see your competitors if you could sort of give us your perspective on the competitive landscape with them so.

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