Another reason would be to reduce an interest rate on a car loan. A lot of people, if they have a bad credit, they get bad interest rate from the car loans, 20 or 30 per cent interest, which is horrible for a car loan. The maximum interest rate you’re going to pay in a Chapter 13 is what we call Prime Plus. By now, the prime interest rate is 3.25 per cent in that way for a while, plus 1 to 3 per cent. So, you’re looking at a range of 4.25 to 6.25 per cent, which is much better than the 20/30 per cent interest that some people have on their car loans.