So, I think the better approach with captives is to cooperate with them and to partner with them, and I think Marlin can do that because most captives don’t have a very good small ticket processing capability and they are typically looking for partners to help them do that. And I think working in a cooperative way with captives is a lot safer and I think it allows Marlin to exploit its core competencies better than trying to compete head-to-head with captives. ——————————————————————————– Chris York, JMP Securities – Analyst  ——————————————————————————– Got it. That makes a lot of sense. And then just kind of going down my list here, a couple more and then I’ll hop into queue, how should we think about capital and tying that in with your desire for growth, considering as context the Company has historically repurchased stock and then occasionally paid out excess capital in one-time dividend and then you guys have the recurring dividend? ——————————————————————————– Jeff Hilzinger, Marlin Business Services Corp. – President & CEO  ——————————————————————————– Yes. medical interview helpdiscover thisSo, it’s still obviously very early days, Chris. I’ve been here for about eight weeks now and we’ve done enough work to know that the business — know that the business is growing, the management team has got a growth mandate on the Board, the revisioning process is going to help us identify exactly what form that is going to take, and so I think we have a runway to leverage the excess capital that’s in the business today with it being exclusively funded by the bank, but I’m not sure it being exclusively funded by the bank is the most efficient ultimate way that we want to fund Marlin. So, I think as part of the capital plan, you’re going to see us working on wholesale funding option.
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