Michael: so that you framed this as activation, retention, and commitment? I suppose, are you able to help simply type of define exactly what they are, I guess, the way they are split? Just how you’re defining вЂactivation’, like, “I would like to be sure you do it and stick to it,” i do believe is just exactly how some people would types of think about retention or commitment, but those appear to be various pieces.
Kristin: Well, вЂactivation’ is actually the use that is initial of item, right? Therefore, with regards to credit cards, you will be delivered a charge card, however if you don’t actually use it…