Therefore that is something that IвЂ¦again, it just dates back to a very advanced data driven approach trying to cut and dice the info but we could and find out which sections have actually a greater anticipated very first loan profitability in accordance with acquisition price and which sections donвЂ™t. When they donвЂ™t, we are going to forego that revenue and we also wonвЂ™t mail and, you understand, we variety of stay real compared to that disciplined approach.
Peter: Right, appropriate. Okay, and so I wish to ask you about competition plus itвЂ™s kind of a two component concern. The initial component is i’d like to talk because itвЂ™s the first timeвЂ¦IвЂ™m sure you saw the news recently, they are launching a non prime product, I think itвЂ™s very similar to what you have, like a thousand dollar typical loan, six month duration type thing and so interested to get your take on how you view the banks as a potential competitor because I imagine before that the banks were pretty muchвЂ¦they were not in this space pretty much at all about US Bank. Continue reading We imagine before that the banking institutions had been pretty muchвЂ¦they are not in this area more or less after all.