The Differences Between Early Stage and Late Stage Collections

True Accord has retained a white labeled tool for early stage collections as well as a recover, a similar tool aimed at later stage collections. I've seen collections thought of in terms of like 15 day increments in like 30 days, 45 days past due. Why did you choose to bucket these two kind of early and late stage products? First up, retain is going so much that we're actually separated out from True Accord into its own company and team and so on.