Peter: Right, is reasonable. Therefore I quickly only want to dig in to the underwriting simply a little bit right here. Simply how much from it is a consumerвЂ¦youвЂ™re underwriting the buyer, just how much will you be underwriting the businesses that are small it is clearly not a consumer loan, but so how exactly does that interplay work?
John: Yes, undoubtedly it looks at cash flow first and foremost as you look at underwriting of the business. Can it be a business that yields income, they usually havenвЂ™t had any decays, theyвЂ™re otherwise healthy in a sectorвЂ¦in an industry that makes sense, that doesnвЂ™t carry any excessive risk, do the principals have decent credit so have they shown themselves historically to pay things back and for that you are pulling credit bureaus and other things like that that we can see, that they can actually afford to pay this back, is it.
After which, final, is simply general character, right. WeвЂ™re interviewing every business that is single weвЂ™re considering the important points.