In those developed countries every family will have a Loan chance, I think they have that situation is not accidental, because their consumption concepts are very strong, so there will be as the situation, if I know there are so many Loan words in our home, then I will definitely save her money, but sometimes you even think like that, there won’t be any improvement, so now I don’t know what to do, with Loan you will have some concerns, before you spend will not be wasteful like that, I think I in many cases will not have such ideas, because I think how to spend what you will spend the.