Hi, I'm Roger Groh. We're here today to talk about secured personal loans. If you come to me as your neighborhood banker, and ask me to loan money to you, what I'm really thinking in the back of my head is, am I going to get the cash back that I've lent to you, plus the interest that you're going to owe me? Now, how am I going to figure that out? Well, I'm going to ask you questions about the amount of income that you have, the amount of tax that you pay, and other bills that you owe, and then put our potential loan on top of that to figure out if, in fact, that you have enough cash flow to pay all your bills. Let's suppose that's it's marginal. And, it doesn't look like, to me, that you have sufficient cash flow to really pay me back. I might say to you "I'm sorry, ma'am or sir, but, I can't make you this loan. However, if you were to go get somebody to help you, and cosign that loan with you, then I would feel much more comfortable." The reason is, then there are two people that I can look for for payment. Other ways to do it would be, if I'm your banker, I might say "Sure, I'll loan you money, but I want to be able to put a second mortgage on your house," meaning I have secured your loan using other assets that you own. That way, if you don't pay me, I can go take away your house and sell it. That's exactly what's happening today through much of America, as folks are not making mortgage payments. So, that's a little bit about secured personal loans. My advice would be, don't do it, meaning, if you don't have to guarantee it and you don't have to secure it, don't do it. Keep shopping. That's the better way to go. I'm Roger Groh.