Peter: So then do you move over with all the idea that is express of up or concentrating on student education loans first? I am talking about, ended up being that the biggest issue that you felt like there was clearly to tackle?

Peter: So then do you move over with all the idea that is express of up or concentrating on student education loans first? I am talking about, ended up being that the biggest issue that you felt like there was clearly to tackle? Stephen: and so the first phase had been pinpointing that there is…

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