Patrick Toomey actually said...

But the account is a general program management account that has revenues that come from other sources, and there are expenditures that can ...

The kind of underwriting you do would not have been possible, certainly, 10 years ago, probably not even 5 years ago.

So you are rejecting applications from 80 to 85 percent of the applicants because they do not meet your credit standards?

So, you are not able to set any old rate you like, because if you do, someone else who competes with you will set, presumably, a lower rate ...