Stephen: so that the stage that is first pinpointing that there is the opportunity when you look at the consumer finance category; the next stage was which certain category would I pursue. And thus actually it had been a pretty simple filtering procedure where we stated, you understand, where are individuals getting cheated the essential, what’s the many confusing area? It’s taking something that’s really confusing, that’s not traditionally consumer friendly and sort of looking at that so what popped out to me was the student loan category if I think about why these other models in other countries were successful.
After which the icing regarding the dessert ended up being the truth that if you believe on how valuable acquiring a client in this type of very first major decision that is financial just exactly how valuable that is, that has been type of the icing from the cake. That’s why when you look at the start we focused actually on that market and, needless to say it developed a great deal since 2012. When Credible ended up being launched it absolutely was actually just a few lenders which were even thinking relating to this, this space that is refi. As the perfect entry point because it was so confusing and there was so much misinformation around the student loan category so it was kind of early and there were a lot of people saying that’s not a great category to go into because of all the headlines you read about student loans, but I saw it.