We don't know how this is going to impact the propensity to file bankruptcy.
We've done performance comparisons of our scores, including bankruptcy scores, and generally they are very predictive.
We found it interesting that some states that historically have low rates of bankruptcy have high propensities. I think some of it's going to be related to the economic changes. For states to see that kind of difference, some things have changed.
Late payments generally have the highest negative impact on a score.
