A
I think maybe they didn't check into them enough or maybe because everyone else was doing they figured they would just go ahead and approve it also so.
B
Yeah.
A
Yeah.
B
It seems like there were on awful a lot of people making loans and business decisions on a get rich quick is the wrong phrase but, if it captures some of the, the feeling I have from the people making business decisions that if they failed it's sort of well no skin of my back I'll move on to this other company,
A
Uh-huh.
B
or --