Sometimes I look at a person’s income, I look at their debts and I say you know what? There’s no point for you to do a Chapter 13, you should do a Chapter 7. Sometimes, the person comes in and he says “I want to do a Chapter 13” and I say, well do you understand the difference? Once I’m comfortable that they understand the difference, then I’ll go ahead and retain them on 13. Most people, if they’ve done their research and they come in, they usually have made up their mind that they want to do a Chapter 7. Sometimes, I think that Chapter 13 would be better than a Chapter 7 and sometimes, they disagree with me and they say “No. I want to do a Chapter 7”. In that case, we go ahead and we do the Chapter 7 if they otherwise qualify for it.