Changes in the Industry

The biggest changes I’ve seen is competition moving in. There are the subtle competitions such as your neighbor opens a pawn shop you know a mile away from you. But, it’s the competitors that we’re not looking at that are killing us, which is the Craigslists, the eBays, the Amazons, and also there’s other things out there in the market place that are, you know people buying consumer-to-consumer instead of retail-to-consumer. And so, that’s hurting us. There’s also more places – back in the day, probably six or seven years ago when the Payday Loan industry was higher, people had other opportunities to get cash. Now, I think we can capitalize on that, because that industry is a little bit under fire, and we can go after that more so now than we could before.