Randy Underwood: While we have not seen any kind of dramatic change in the complexion of our customer base, or even in their earnings, our customers do exist in the real economy and although the overall majority are not homeowners.

Donald Gayhardt: We always watch our auto loans and credit cards and we watch them country by country. We certainly started seeing some increase in the local fees and charge offs and prime, sub-prime credit cards and it’s everywhere.

Robert Napoli (Piper Jaffray): Is there an opportunity to add a narrow focused pawnshop business in other countries?

Randy Underwood: There are pawn like products that may well fit some of our other markets.