We had a situation two years ago where an F&I [finance and insurance] guy had created a fake ADP pay stub on Excel. We average $15 million to $18 million in loans per month, and we noticed all of the pay statements from this one dealer looked the same. We eventually identified 30 to 40 fraudulent pay statements. In some cases, the borrower had income, but no proof, so the F&I guy just made up pay stubs. Now, when we pay a loan we examine every package and we spot check by making phone calls. We see some straw buyers from time to time – where someone has bad credit or some other reason, so he has a friend or relative buy the car. There are a few signs of fraud we can look for.