Everything you can imagine is real.

Interesting debate. I definitely see opportunities for efficiencies improvements on the risk underwriting and processing side (witness Wonga) but in terms of our portfolio - at least for now - we’ve focused on a different angle: help the customer (the borrower) manage their balance sheets more intelligently over time and help them improve their financial literacy in order to help them make better decisions.  Check out companies like PayPerks and Payoff.com for example.