And I also think our objective is to find all of the clients away by the 18-month mark and graduate them to another loan provider.

Now they should do their work too so we can make good on 100% of our customers and in the interim, we’re looking at ways of rewarding customers who have been in the product and still want to refinance because there’s not another option out there for them because we need this marketplace developed.

But wholeheartedly, i believe in this room you need to be sure that the customer…it’s a temporary item for the consumer as soon as they’ve proven the capability to repay, the’ve enhanced their credit and you may buy them out from the product to an even more traditional type of financing. That’s critical towards the durability with this market.