On our end, we underwrite based on Accounts Receivables, We do not care if you have bad credit or good credit. If you have an open default you need to be in a payment plan, we will verify the Payment Plan or a ZBL that we will also verify. If you have decent receivables and have paid off or are paying off the default, we will price the risk and make an offer. Just giving you our point of view, it may not make sense for others.