11 apr And I also think our objective is to find all of the clients away by the 18-month mark and graduate them to another loan provider.
Now they should do their work too so we can make good on 100% of our customers and in the interim, weвЂ™re looking at ways of rewarding customers who have been in the product and still want to refinance because thereвЂ™s not another option out there for them because we need this marketplace developed.
But wholeheartedly, i believe in this room you need to be sure that the customerвЂ¦itвЂ™s a temporary item for the consumer as soon as theyвЂ™ve proven the capability to repay, theвЂ™ve enhanced their credit and you may buy them out from the product to an even more traditional type of financing. ThatвЂ™s critical towards the durability with this market.
Peter: Right, appropriate. So that you donвЂ™t have any plans then to move up market yourself like up the credit range? you realize, youвЂ™ve obviously got great deal of clients who will be possibly graduating toвЂ¦you pointed out LendingClub, Avant, Prosper, whatever. Why don't you have another item that is closerвЂ¦like an even more near-prime product?