Car Debt Crisis

A lot of people say that the car delinquencies are going to be the new housing crisis and she was saying to me well usually you can kind of bet on people repaying their car payment more consistently than their house payment because you need the car to get to work. There's also like this whole idea like if the debt comes undone who's responsible for it right on the financial side of things. Having said that the lenders of auto loans those companies that actually do the lending what are they doing to help consumers? I think you guys including the store you include about how they're extending some of the life of auto loans so just talk to something about that and what they're doing.