These guys lend mostly to consolidation, so you don't see a bit...

These guys lend mostly to consolidation, so you don't see a bit of that happening as a result of people living off cards or getting behind now?

Be mindful of taking a mortgagee's report and applying it to un or semi secured lender they are two different beasts.

WSR lend to tax debt and are releasing their secured offering too, both have merits.

I run a fiance company, when people figure out how to properly use WZR there will be blue sky to the horizon.

if a bank cops a 30% downturn, I would expect WISR to be no worse than one fifth of that. I also expect them to negate that with continued innovation.