Let me explain. We are gathering risk based data using Experian, D&B and a proxy for FICO where we have a pretty good picture of the credit and bankruptcy risk to the business and owner. The piece we don't have upfront is bank data. So, there might be situations where we evaluate someone as a great lead, but if I knew lenders wouldn't fund a deal if the guy had 5 negative days in the past 2 months or maybe only some lenders would take it, then maybe I know to ask a simple screening question to the business owner.