Undoubtedly, it is the line item that is biggest for expenses in your P&L so we are as maniacal about credit once we are customer care and so the model

Undoubtedly, it is the line item that is biggest for expenses in your P&L so we are as maniacal about credit once we are customer care and so the model Happens to be created to create well above normal losings than that which you can there see out publicly. And so I think we feel […]