Okay. Thanks.
It's right at the client level and I was thinking of one of your field people, whether they keep track of their individual clients on those terms and then consolidate numbers. I could leave that on the floor because I'd like just one more question, and I'm watching the clock closely here.
Do you have similar defaults to other financial institutions on the risk profiles that you take on, or because you take on higher risks do you also have higher default rates?