In regards to S.D. Taylor Jewellers there are a few comments to be made during the analysis. S.D. has been purchasing jewelry products from Gardiner for the last 25 years, this allows for a long and most likely trustworthy relationship. Wilson mentioned that payments on account had for the most part been prompt. Stan Taylor mentioned that he experienced a negligible reduction in margins which we can assume is immaterial. Stan says he has no plans for changing the credit policy of the company and that they have been paying their accounts at comparatively the same rate as least year. Without diving into the financials but knowing that S.D. Taylor and Gardiner have a long standing business relationship do you think that Wilson can trust what Stan says? If Wilson can look at historic conversations with Stan and reconcile them to past year's financials do you believe Wilson will recommend extending their payables to finance operations?