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We loan because...
To the number of people who have accounts so if you have 200 people that you money and you have 20% better past-due than you know you've got then you've got to the end I say 100 people. I can do what I said, the numbers if you got if you 200 people that though you might that have accounts and you've got 20 the past-due then you know you got 10% delinquency. And and so so that's the first step that the second step is making sure that when you put them on the books in the first place doesn't make any sense in your office to allow a patient. Let's say your office policies require 20% down would it make any sense to let a patient was never paid the bill of life was a bona fide purposeful credit criminal is filed bankruptcy. Twice in the last 10 years and has had cars repossessed in all that is a make any sense to let that patient have 20% down conversely if that patient is a is a rocksolid stable.

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