It is the same for our customers. If they are getting better they continue to get better and if they are getting worse they continue to get worse. Now what disappoints me the most is that I should have a waiting list of many months to complete the Credit Risk Assessment course that sets out to quantify the direction a business is heading and through some complicated methodology made simple through spreadsheets, we can predict the future with some certainty. If you are interested in learning more about this topic please let me know and if you have any suggestions as to how I could get this information into every credit department in the world at a reasonable price I would love to hear from you. You see, with the right information you can predict almost to the day when a business is going to fail, and to some it comes as a surprise when the writing has been on the wall for a long time in advance. Of all the areas in credit I believe that this is one of the most important and the most overlooked function of all.