Karen, what are you talking about about "scared the investment money out of cash advance" that is simply not true. Why would cash advance need to make a come back when offices are funding more now then they ever have. I have no idea what you are seeing but it is not what is going on right now in the industry. At the last debanked event in San Diego there were a bunch investors and hedge funds looking to get into the industry and if there were that many at a single event in San Diego then there are plenty more out there. What you are saying is just not what is going on in the industry.