Stephen: Yeah, that’s right. In terms of from an item viewpoint, no one’s doing exactly what we’re doing. You realize, you’ve got the lead gen category where we’ll contend with both the lead gen category and loan providers, so both edges of this market. We’ll compete on key words and Search Engine Optimization ratings and search rankings…we’ll compete for the reason that globe. Our rivals with regards to like social purchase stations, we’re competing with any brand name that is wanting to target this extremely valuable millennial audience once I think of marketing on social support systems, on Facebook.
Then we’ve got our proprietary channel where we’ve partnered, more often than not solely, by using these associations, therefore we’ve driven the pupil loan platform for United Airlines Mileage Plus solely therefore we’ve this channel that is exclusive well where we’re acquiring clients through our community of lovers. No body is performing what we’re doing, but we do contend with actually anybody who is within the education loan category, who’s seeking the customer that is same. You might be contending, but we reside in a world where that kind of open marketplace and available competition for clients i believe is unavoidable since these intermediated areas mature.