Could I ask you a question regarding these JC loans? What type of people walk in your door asking for them? I’m sure you see all sort of cases, from underwater folks that you have to turn away, to those who have perfect credit and 50% down. I’m trying to get a feeling on how many there are in each category. So, what would you say? Mostly in distress, or mostly in good shape, or a little bit of both?
