[Zach]

Thanks for helping clear that up, Rick. We don't gain anything additional from defaults, and we aren't in the lending space to amass real estate.

[Michael I]

Thanks for helping clear that up, Rick. We don't gain anything additional from defaults, and we aren't in the lending space to amass real estate.

well beside add on fees on that every contract has . curious do you have any default where things go wrong ? or is it 100% that you get your full factor . (or if he renews double factor )