 Now then we might have a credit memo type of situation, which oftentimes we think about happening possibly before we collect the payment on the accounts receivable. So in that case, we're going to say, okay, now we want to reduce or reverse the payment that we're going to expect to receive, and so we just basically want to reverse the invoice with a credit memo. So most of the times when you think about a credit memo, that's kind of how you think of it. You think, okay, we have an invoice, now we're going to reverse what happened with the invoice with the credit memo, and they no longer owe us the full amount or part of the amount of the invoice. Now, if they had already paid us the invoice and we made the deposit, then you have a situation where you might say, okay, do we need to give them cash back, for example, and actually issue them a check in terms of any problems with whatever the transaction was.