If it's, 'Get money for the next three weeks from any source,' you're not going to get money from the bank.

We bring together low-income workers and their families on a self-help basis.

This process does take a few times. It's pretty common.

The problems with Elf are that its historic returns on assets have been appalling.

Elf was strategically at a dead end.

If someone's got skin in the game, then that's a very positive sign for the debt players. We just want to follow the good guys.