During the financial crisis several years ago, Avestar worked very hard with their members to modify their mortgage loans in response to job loss and subsequent loss of income. We modified and very closely monitored a handful of mortgage loans that were in trouble. Rather than simply foreclosing on delinquent or upside-down mortgage loans, we spent a lot of one-on-one time with our members to determine the best way to get through their crisis. Members are not just a number. They are everyday people who are just trying to take care of their families.