2008 was no tought a rough year if not the worst in history but this company survived and more importly if you understand the reason why most retailers in this space went out of business was mainly couse of recourse. What those this mean as a broker you hold responsabilties to the lenders on the loans you originate so if you were like many reckless you would have being hit by companies like IndyMac or Wamu for recourse this company is totaly clear on this issue they to not have this issue like many.