This chart reflects our delinquency data for tens of thousands of our customers and looks at percent change in delinquency. We’re seeing that payment behavior in 2018 is starting to mirror the lead-up to the recession in 2008. 2012 is a more normal, healthy economy. The data is clearly showing increased underlying risk. This growing risk puts even more pressure on your team to be consistent in how they shore up cash flow and protect your company from increasing exposure.