Undoubtedly, it is the line item that is biggest for costs in your P&L so we are as maniacal about credit once we are customer care and so the model
Undoubtedly, it is the line item that is biggest for costs in your P&L so we are as maniacal about credit once we are customer care and so the model Was developed to generate well above normal losings than everything you can see on the market publicly. Therefore I think we feel extremely highly our…