Yeah, therefore I think consumer purchase, as a whole, is a large part that is unique of company.

And I also will state when it comes to consumer our company is attempting to be the ideal choice for them while you are rejected because of the conventional market and i do believe where we’re at today from a cost point viewpoint, our company is your best option and with time, you should be in a position to reduce those APRs as our purchase and our credit and our servicing and our price of funding gets better and better.

Peter: Right, and also the reality you stated when you’re perhaps not your best option, we mean, I’d be interested to understand exactly how often that occurs, could it be 1% of borrowers for which you suggest them to someone else. I suggest, inform us a bit about this specific piece it’s a way to kind of, you know, get credibility…you’re obviously not trying to trap people into some sort of cycle, but tell us a little bit about that program because I think.