Josh: What issues do you see with respect to age and credit being offered to different [crosstalk 00:00:08]?

Samira: It’s important to understand that people start, and young adults start entering college, and the first thing they do is they get offered a credit card, and they don’t have an income. How are they being offered credit? Well, they’re offering credit, and in some ways it can be a trap, because if you can’t pay it, then it gets charged off. You start off with bad history. Once you start off with bad history, it’s very hard at that point to rebuild your history. You have to rebuild. I tell people that if you’re depending on mom and dad to pay your credit cards, maybe you don’t want that credit card. You have to think about [inaudible 00:00:46].