I just saw a report that says credit card usage by consumers for gifts is down this holiday season. It is down over 3% compared to last year. It gave a story from Mike who paid off his credit card balance and is only spending $1K this year on the family instead of the normal 3 to 4K. He said it will be a light Christmas this year. A spokes person from FirstData said pin debit is up 9% for pin debit compared to last year. More and more people are only spending what they have. From one side of the table, I’m all for that as people should control their personal spending and not get themselves into a hole. On the other side, it affects our company as our profits are all based on how much merchants processing and what they pay on their bill. I wished everyone lived a solid financial life, but if that were to happen, the unfortunate thing is it would greatly affect the merchant account industry.