Adam Fountain – Yeah, there are some. Once again, as I pointed out, we provide to guys with bad credit. We want to understand why somebody has bad credit. When they went through a divorce if they got torched in the downturn. All those are pretty understandable. If somebody has bad credit because they don’t spend their bills, that might be a danger signal. We do, not merely do, we do history and credit checks, we do personal economic statements. So we’re really sort of searching for indications on how the debtor would respond whenever things got tough. Different things we’ve seen financial crimes on criminal record checks. Demonstrably those are guys that we don’t like to provide cash to. However in the respect that is same if someone possesses misdemeanor for, we don’t understand, drunk driving or something like that, from a decade ago. Stuff like that, that is not the maximum amount of of problem for people.
Adam Hooper – and today, i assume we chatted a small bit about the marketplace earlier.
Adam Fountain – we don’t think the period has affected exactly how we write loans yet. That which we glance at a number of sorts of macroeconomic indicators. Continue reading