They comes under the faintest bit of scrutiny it just vanishes into nothing. Host thats amazing. You mentioned earlier that the whole chasing of paper and the whole zealousness of this Debt Collection business got to a larger height during the Great Recession after the financial crisis because people simply have less money to pay and they have more debt that accumulated. You talk about the term shadow economy which i find very interesting. In the term shadow banking usually its about hedge funds and the Cayman Islands tax shelter. The shadow economy is something different. Its something youd discuss with regard to the people on the bottom of this. I want to know if you can talk about whether you think those people how that will evolve Going Forward from where we are now. Guest the way that i stumbled into this when i was in georgia and looking at the lives of these debtors who were being sued in court over this debt i wanted to get a sense of what their lives were like. One of them tol