I'm saying it's accounted for in the price that they can offer one way or the other. I'm sure that they have some pretty good discount rates in comparison to others, but their margins have to account for enough space to offer those deals.I guess I haven’t looked… but when Homemakers/NFM runs a 48 month interest free financing are you saying that Homemakers/NFM will markup their inventory? I don’t see that being the case. I could be wrong - but that would impact your cash buyer.