=+vBlanca: Yes, but we’ve been allowing credit for years. As far as I know, all of our competitors al¬

low contractors credit. Ifwe stopped giving credit, we’d lose many of our contractors. They’d just go elsewhere. You know, some ofthese guys run up bills as high as $40,000 or $50,000.

There’s no way they could put that kind ofmoney on a credit card.

Santiago: That’s a good point. But we’ve got to do something.

Blanca: How many ofthe contractor accounts do you actually end up writing off as uncollectible?