Josh: Then in that vein, just to simplify things, a person with … An 18 year old or a 19 year old out of school with a couple hundred bucks credit card debt may be scored similarly to, for example, somebody with a mortgage and maybe a car payment and something, maybe a credit card payment, that’s considerably higher or balance that’s considerably higher? They take age into consideration when-

Samira: Yes. They do take age into consideration in figuring out your credit score.

Josh: I understand.