Well, 40% of the American population, according to the Federal Reserve, doesn’t have any savings at…

Well, 40% of the American population, according to the Federal Reserve, doesn’t have any savings at all. They’re living from paycheck to paycheck. And the result is that they’re living off their credit cards. And the credit card interest starts at 19%, and the penalty rates are even higher and push the actual interest rate to over 30%. And that means that the consumer debt just to borrow money to…