Thank you, Mr. Chairman. The use of credit cards is practiced by many in the industry already and essentially through the use of an appropriate credit card, not every single credit card company offers this, but many of the credit card companies offer an insurance program so that in the event that your payment is made by credit card and the product or service for which you have paid was not made, you can make a claim on the credit card company and they will undertake an investigation and they will repay any deposits that have been paid for which a product or service was not provided. Thank you.