i think the reputation of short term loan companies such as yourself is tarnished by idiots who cannot afford to pay back their loans. i myself have never had a problem and think in these hard times companies like yours can be a vital life line when those unexpected bills show their ugly heads. you have loaned me money when i have been in times of need at quite a large risk to yourselves being such small loans compared to bank loans. i for one can see the risk you undertake with each loan and think it was a brave company to start. i thank you for all your great service and hope you keep up the good work.