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That initial funding can enable you to get a college education, get a car, get transportation, get a house, and that’s going to impact your quality of life and then give you the opportunity and empower you to get hopefully great employment and continue to improve your life and your quality of life. They have low credit scores and the reason behind that is sometimes it’s just a complex unfair system that we are trying to help people understand and be the professional advisor to those people, and educate those people and give them awareness as to what the situation is.” because again I think it’s a tool, it’s an enabler, and it can really help people improve their lives if it is used the right way. Credit matters because in today’s society, when we look at hiring somebody, when you look at trying to get your insurance rates, when you look at renting an apartment, when you look at trying to get a cell phone at times, [and when you look at] interest rates that you are paying on loans, all of those things people are going to understand what kind of credit risk are you and do we want to do business with you.