The one time I broke policy was when I was doing accounts receivable and I had to collect on a 90-day and I went ahead and let the lady make payments because her husband had just passed away and she was crying on the phone and told me she hadn't even buried him yet. So that was the one time I broke procedure. And I did get payments out of her and she did pay up within another 90 days, but normally they wouldn't do that. I passed it on to collections and that was the one time I failed.