Absolutely.
Obviously we realized that mailing to consumers may have presented some challenges. We did do lots of scrubbing of the data and that was one factor in some of the delay that caused us to do some of our mailings. We ensured that we had the proper, most current address. We verified the data. As you can imagine, we do have some of this information accessible to us so we were able to cross-reference and do some of that scrubbing of the initial data. There has been some mail returned to us and we are addressing that case by case, verifying if the addresses were incorrect to see if there was a new address with a different source, or possibly contacting creditors of these consumers to see if they have an updated address.