I am not sure if you are referring to Retail or First merchant in your comment. With Retail if someone is currently double funded we will not make an offer until they have one balance. We will also not make an offer on someone that has a history of being quadruple funded. For tax liens I believe we have become more lenient than we were in the past. Depending on the size of the lien and the term of the advance we will ask for paperwork showing a payment plan.