I wouldn't be so quick to sell ARs for existing customers. It has never been clear, but, it has been opined that our high ARs are due to a slow, initial run rate for the apps at the dealers. If the run rate has not picked up, I don't see why our "customers" would be willing to pay a 3rd party any quicker than paying us direct. And, what does that due for our future business with these customers? Just wondering??? Go ONCI