——————————————————————————– Jeff Hilzinger, Marlin Business Services Corp. – President & CEO  ——————————————————————————– Yes. This is Jeff, Chris. I would say, some people have described the current state of the commercial finance market as being in turmoil and certainly I think if you look at the impact of GE’s decision to divest itself of capital, a lot of people would agree with that. I think from our perspective from Marlin’s purge, I would say that it’s more about competitors especially banks being distracted. The big banks in particular are, you know, they’ve been forced to become increasingly inwardly focused as they deal with this increasing regulatory burden and I still think there’s a long way to go on that. And so, ultimately there, you got to believe that those institutions are going to figure it out and they’ll ultimately come back and improve their focus on their customers, but I think there is going to be a period of time here where I think Marlin has got an opportunity to really take advantage of its ability to be really centrally focused on its customers now. ——————————————————————————– Ed Siciliano, Marlin Business Services Corp. – EVP & COO  ——————————————————————————– I would add, as banks are pulling back, we’re moving slightly up ticket, so the timing is very, very good.
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