Today I’m going to talk to you about how we prevent tenants to get into arrears. I believe there are two categories for tenants getting into arrears. One, education, and two, they actually, legitimately behind on their rent. The first one, A lot of tenants that we take over Property Management from, tell us that they didn’t know that their rent was due on a Wednesday, they don’t get pay until Friday but their rent’s due on Wednesday. So they’re always two days behind in their rent. So there are ways that when you’re signing a tenant up and sorting out their rent there are certain things that we can do to set them up so that they don’t have these issues. Number one, you have their application form as a Property Manager so we can see when they actually get paid, So what we do here in Leifield, is that we look at when they get paid and when they first pay their 2 weeks, we say “look, your payday is now, your next pay is on this day, your rent is due on this day, so we say “if you can pay this plus two days worth of rent, you will then continue to always be ahead with your rent. You won’t ever fall into arrears unless you don’t pay your rent. The other way is that we ask the tenants to pay two weeks worth of rent and then when they first move in, actually start paying rent again then. So this always helps. One, make it aligned with their payday and two, make sure they’re paying the first day they’re moving again or on their next payday. So this always helps do that, the other thing we do is also give them a checklist of everyday that their rent is due, so some people are very checklist orientated and don’t like setting up a direct debit, if we can’t get the tenant to set up a direct debit from their payday, that checklist really helps them through that. Now, if your tenant is actually, legitimately, has fallen behind their bills or they’ve lost their job or things like that, there are things that we do to prevent them to continue to get behind in their rent. One, we always ask tenants to -- even though it is scary to talk to someone you don’t really know, about your finances, call us, ASAP. If you know that you’re going to fall into arrears, so that we can talk to the owner and discuss with them that you’re going to fall into arrears, we also then make a payment plan with them so if all they can afford is $50, let’s say, paying that $50 sometimes really help owners so that the tenant doesn’t continue to fall into arrears, so there are things that we try to do to manage that arrears process if they do, but first one is education and prevention is number 1.