Well this is what I know : With the introduction of new longer term lenders in the marketplace , our MCA and short term loan business has slowed to a trickle. So our "better borrowers" and going to the longer term lenders, and a year ago the only option for many of these "better borrowers" was MCA or short term loans. And if this is the beginning of a trend, it will change the P/L of MCA and short term lenders.