Kerry Taylor: Paint me a picture, paint me a picture.
Doug Hoyes: Well, i am talking about each of our customers doesnвЂ™t have actually an online payday loan but regarding the ones that do, by the right time they become visiting see us to register a proposition or get bankrupt they will have three . 5 of these.
Kerry Taylor: So, why did they layer on a few of these loans in addition to the personal credit card debt. because we know already that credit debt has about 19% while the loans that are payday upwards 500%, right?
Doug Hoyes: Well, i do believe more often than not it had been that they had any other alternative because they did not perceive.