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The newborn period is one of the most vulnerable stages of human life. Therefore, infants require comprehensive medical care to ensure that they are growing and developing as they should. Carrie Jones, MD is specialized in Argyle newborn care and monitoring, including vaccinations and nutritional counseling.
Neonatal Care at Birth
Argyle Pediatrics offers newborn infant assessment and immediate care.
Your care providers will immediately dry your newborn after birth and place him/her on your abdomen or chest for skin to skin contact.
After a thorough clinical evaluation of your baby's state of breathing, gestational age, tone, and reactivity, your doctor will clamp your baby's umbilical cord and perform routine mouth and nose suctioning. Afterward, the doctor will cover the mother and baby with a pre-warmed blanket.
Neonatal care involves additional newborn education. Dr. Jones will demonstrate how to wash the infant, help you with initial breastfeeding, and discuss typical newborn home care routines, including sleeping and eating habits.
General Newborn Infant Care
You must have a primary care provider to monitor your baby's health during your regular newborn visits.
Newborn care visits involve height, weight, length, and head circumference assessment.
A thorough newborn assessment involves evaluating and screening the ears, eyes, and reflexes. At Argyle Pediatrics, Dr. Jones will also check for abnormalities or any clinical concerns.
Your doctor may discharge you and your newborn 48 hours or less after delivery if your baby is healthy and a full-term newborn born via vaginal delivery. Late or preterm newborns usually require more extended hospitalization.
Monitoring and Follow-up
Your health care provider will schedule post-natal continuing care visits depending on your baby’s health status during the first week of life. Dr. Jones usually assesses health conditions such as excessive weight loss due to hydration problems, jaundice, sepsis, feeding difficulties, and severe congenital malformations that became symptomatic during the first weeks of life.
The first follow-up visit typically occurs within 48 to 72 hours after discharge, or after 3-5 days. Your doctor will complete routine newborn screening tests during the visit, including congenital malformations, blood, bilirubin, and hearing evaluation. Your doctor will also administer the hepatitis B vaccine if not given at birth.
The 1 month visit, usually the second visit, encompasses a routine health assessment. Your doctor will also respond to any parental concerns you may have and offer encouragement, support, and practical newborn guidance, including growth, nutrition, and sleep patterns.
The baby should be able to hold his/her head upright for short periods. Your doctor will evaluate his height, weight, length, and head circumference to ensure that they increase along the predicted growth curve.
The next visit should be at four months of age. Your baby should be developing critical social and motor abilities. Our doctor will provide a formal development assessment to evaluate infants delaying in achieving these skills.
Postnatal Immunization
Your doctor will administer the hepatitis B vaccine in the hospital following your baby's birth. Other vaccinations in the early months of life include:
DTap: Prevents Tetanus and Pertussis
HIB: Prevents Haemophilus Influenzae Type B
IPV: Prevents polio
You must be keen to notice danger signs for the newborn, for example, fever, difficulty feeding, irritated umbilical cord, ulcers, or thrush and seek emergency medical care immediately. Contact Argyle Pediatrics to schedule your appointment for the best newborn care.
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With so many people exhibiting heart-related illnesses, cardiovascular health has been a serious concern over the last couple of years. It has led to many realizing just how crucial it is to take the necessary steps in protecting their cardiovascular health. Luckily, stress testing provides an excellent solution for determining your heart's condition and if you are at any risk of developing heart disease. If you are looking for stress testing in Philadelphia, you can rest assured that you will get quality service from the best medical professionals in the industry. The professionals at Corrielus Cardiology will monitor how much your heart can manage before starting to exhibit abnormal heart rhythms or before the blood flow to the heart begins to diminish.
Multiple tests may be employed when undergoing stress testing, depending on what your cardiology team hopes to accomplish. However, the exercise stress test is the commonly used one and involves pushing you to the limit to see how your heart behaves. The test could include walking or running on a treadmill and cycling a stationary bicycle, with difficulty increasing as the trial progresses. The essence is to use the electrocardiogram to monitor your heart rate, blood pressure, and others during the exercise. If you are wondering why you need this type of test, the following speaks of its importance:
To Diagnose Coronary Heart Disease
Your coronary arteries play a crucial role in your body as they are the major blood vessels tasked with supplying your heart with blood, oxygen, and nutrients. However, coronary artery disease hinders optimum functionality since the arteries become damaged, blocked, or diseased. In most cases, it is usually due to deposits of things like cholesterol building up over time. A stress test will pick up any signs of improper blood flow and determine the condition before it is too late.
Diagnosing Heart Rhythm Complications (Arrhythmias)
This is a condition that occurs when the electrical impulses responsible for coordinating your heart rhythms fail to function as they are supposed to. It results in your heart beating either too fast or too slow, and occasionally irregularly. It is something that a stress test can pick up and allow your doctor to administer the right treatment.
To Understand the Cause of Chest Pain or Shortness of Breath
If you have ever encountered chest pains or could not breathe properly, it can cause a lot of panic and anxiety. The first thing that comes to mind is you are dealing with a heart condition. It could be that your heart is not pumping enough blood or you have indications for heart conditions of concern. A stress test will give accurate results for a better evaluation.
Guiding Treatment
For people already diagnosed with a heart problem, the focus is on getting them better. With a stress test, it is easier to find out how the existing treatment is working. Likewise, it can help develop a treatment plan that will work best for the patient. It also shows how much exercise one can handle.
An exercise stress test is designed to make sure that your cardiovascular health is not in jeopardy. The essence is to make sure that everything is functioning well and that you are not at risk for various heart conditions. Ensure you choose the right stress testing specialist to get the best results and avoid being a victim of the risks the procedures pose. Contact Corrielus Cardiology today by calling the office or using the online booking tool.
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Endometrial ablation is a procedure that involves the removal of the uterine lining to reduce or stop heavy bleeding. Many women experience heavy menstrual periods that leave them incapacitated for a few days every month. It is not a good experience when you have to lay in bed for a couple of days because of pain. Missing work, missing your child's game, or an important event due to menstrual-induced pain can be devastating. If you are going through such, McDonough endometrial ablation will help you deal with the pain and the bleeding. Remember, the bleeding is termed heavy if it lasts for eight or more days.
You might wonder what qualifies a woman for endometrial ablation, wonder no more. Before you go for the procedure, you should note that you should be at an age where you don't desire to have biological kids. Doctors recommend not getting pregnant after an ablation procedure; hence, use an effective birth control method following the procedure.
Why Do Women Choose Endometrial Ablation?
Endometrial ablation is a minimally invasive surgery that many women opt for because of the approach. Minimally invasive surgeries guarantee quicker recovery time; hence, spend less time in the hospital. The procedure takes place under general anesthesia or local anesthesia.
To eliminate bleeding or spotting in-between monthly periods. Heavy bleeding can lead to anemia, which, if unchecked, can lead to death.
It is a short procedure that takes minutes to perform, and the recovery will be within days. You can resume work soon depending on the type of job that you do.
Doctors have a selection process for candidates who qualify for the surgery. For you to meet the requirements, you have to undergo some tests to determine your suitability. As a candidate:
You should not be at risk for endometrial cancer.
You should have finished having children, or you don't desire any.
You should be at pre- or perimenopause age.
Before making serious decisions, always consult with your doctor to learn about the benefits and side effects, if any. Be open with your doctor so that you can settle on the treatments without any doubts. When you have a settled mind, you will avoid regrets later on.
Risks of Endometrial Ablation
As with a lot of surgeries, there can be a complication rate. Ask your doctor about complications of the procedure beforehand. Although the complications are rare, they include heat damage to the organs near the uterus, pain or bleeding, and a puncture to the uterine wall. If, after the surgery, you experience something you did not expect, call your doctor immediately. Go to the hospital if you can walk.
If you have been on medications to curb your painful periods and they aren't helping, endometrial ablation is the answer. If you need to see a specialist, Ideal Gynecology, LLC in McDonough, Georgia will be helpful with the heavy bleeding. Please make a point of calling or making an appointment with Lillian Schapiro, MD, and Kristan Adams, MD, and kiss painful periods, goodbye!
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The neck or cervical spine has been designed to handle a significant amount of stress. However, various degenerative changes can occur in the discs and vertebrae resulting in neck pain and other symptoms. If you are experiencing a painful neck injury or any unexplained pain, you should consider visiting a pain specialist. The specialist team at the Center for the Functional Restoration of the Spine provides all-inclusive pain management healthcare through distinct treatment plans to help you get relief from your pain. For treatment or consultation about neck pain in Shrewsbury, call or schedule an appointment online today.
What Are the Causes of Neck Pain?
Neck pain and other symptoms along the cervical spine are a common issue for lots of adults in America. Muscle strain due to poor neck posture or overuse is one of the major causes of neck pain. Nevertheless, chronic neck pain often shows a severe underlying condition that affects the health of your neck. These conditions might include nerve compression, arthritis, degenerative disc disease, or herniated disc. When aging, the vertebrae and discs start to degenerate, causing the pain to worsen or causing numbness down into your shoulders and arms. Chronic neck pain might also be caused by a traumatic injury such as a vehicle accident, fall, or sports-related injuries. At the Center for the Functional Restoration of the Spine, you will be attended by professional staff who offer informative and high-quality neck pain care.
How Is Neck Pain Diagnosed?
Many people have acute neck pain that does not require treatment or is treatable with painkillers. Medics will mostly advise for treatment if the pain affects your daily activities. After studying your lifestyle, profession, and health history, the doctor will examine your neck for signs of tenderness and swelling. You might be requested to make specific neck movements to define the range of your neck litheness and motion. You may be required to get X-rays or MRI of the soft neck tissues and cervical spine for a precise diagnosis.
What are the Neck Pain Treatment Options Available?
Depending on the period you have been experiencing neck pain and the severity of the pain, doctors recommend various treatments. The doctor may also give you anti-inflammatory and anesthetic medications to relieve pain and inflammation to help you engage in physical therapy. They might also endorse spinal decompression, a treatment method that uses computer technology to apply force to your spinal discs and relieve pressure on the nerves. Other forms of treatment include rest, osteopathic manipulation massage therapy, exercise, and neck braces. If the medicines do not work, the doctor might endorse surgery to repair the cause of neck pain. The team at the Center for the Functional Restoration of the Spine is well experienced in all the treatments you may require to restore your normal neck health.
To sum up, if you are in or around Shrewsbury and are worried about your neck pain and whether it requires treatment, you should schedule an evaluation with the Center for the Functional Restoration of the Spine. They have experienced physicians who will help you develop an individualized treatment plan that meets your unique symptoms and needs. Contact them today by phone or online to find out more about the available neck pain solutions.
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Eczema is a disorder that makes your skin to be inflamed, reddish, cracked, and rough. This skin disorder is common to many people across the world. Eczema can affect men, women, and children, and it can be triggered by eating foods like nuts and eggs. However, there are other environmental factors that trigger eczema. These factors include the presence of pollen grains, smoke, and certain types of soaps. To some extent, eczema can be considered as a skin allergy. In case of any unusual skin condition, consult a specialist in eczema in Rockville for treatment procedures. Below are the signs and symptoms of eczema.
Signs and Symptoms of Eczema
There are several signs and symptoms of eczema, which depends on the age of the patient. Eczema in infants appears as dry patches that have an itching sensation. However, in most cases, symptoms of eczema include:
Dry skin with scars
Weeping sores which may be open
Itching
Reddish skin, depending on the color of your skin
A feeling to scratch the affected area
It is essential to seek medical treatment once you notice any abnormal changes in your skin. Below are a few remedies to treat an eczema skin condition.
A few natural remedies you can use to treat eczema
Eczema can be medically treated, but there are some natural remedies you can use to treat eczema. They include:
Apple cider vinegar. According to research, apple cider vinegar can treat the skin condition. Due to its acidic condition, it can kill 99% of germs that may be promoting eczema. It should be applied with caution since it can damage the soft tissue of your skin. The protective ability of apple cider vinegar includes fighting bacteria and balancing the acidic level of your skin.
Colloidal oatmeal. This product is made from natural oats. The oat is crushed and boiled to extract healing minerals. Colloidal oatmeal is applied to the affected area like lotion, having the properties of an antioxidant and anti-inflammation. It also helps in keeping your skin moist and reduces itching.
Aloe vera gel. The aloe vera gel is extracted from the aloe plant. People have been using this plant to treat many ailments. The aloe vera gel is applied to the affected area to kill the bacteria, boost the immune system, and is antimicrobial.
Bath. Taking a bath with warm water is another way you can get rid of the eczema condition. It is vital to keep washing the affected area since the area needs to be moist all the time. Using the recommended soap may eliminate some bacteria, thus giving a possibility for your skin to get better. Too hot or cold water may affect your skin, thus worsening your skin condition. Use moisturizers after your bath to prevent the affected part from getting more complications.
Eczema is a treatable skin condition that affects men, women, and children. Its symptoms depend on age and severity. There are varieties of natural remedies you can use to take care of your eczema. However, you can also consult a specialist at Doctors First for medical treatment and management.
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Plantar fasciitis is a disorder that causes pain at the bottom of your foot or both feet. This disorder has no specific candidate; thus, it can affect both adults and children. However, people who are overweight have greater chances of getting plantar fasciitis. Plantar fasciitis is caused by wear and tear of the leg muscle that runs from the heel bone to the front of your foot. Wear and tear are brought on by prolonged walking, which adds too much pressure on your feet. Midtown East plantar fasciitis is a healthcare facility that diagnoses and treats plantar fasciitis disorder. Below are techniques used to diagnose plantar fasciitis.
Diagnosing plantar fasciitis
There are many ways you can diagnose plantar fasciitis. First, your doctor will take you through an examination. The examination helps to determine the overall health and your health history. These techniques include:
Location of pain. Your doctor uses his hand to locate the area affected. Your doctor will apply little pressure starting from the heel bone to the toes. Once the pain location is determined, it becomes comfortable to be treated.
X-ray- It is the most used technique for testing complications in bones and muscles. Your doctor will take an image using the X-ray to locate the area of damage.
Magnetic resonance imaging (MRI)- Magnetic resonance is an improved imaging technique, which uses magnetic fields and computer technology to produce three-dimensional imaging. Your doctor may recommend the use of MRI to locate the area of complication in a clear picture. Below are the signs and symptoms of plantar fasciitis.
Signs and symptoms of plantar fasciitis
They include:
Sharp pain at the bottom of your feet
Difficulties during walking
Heavy legs
Fatigue etc.
Treatment of plantar fasciitis
There are many ways of treating and managing plantar fasciitis disorder. It is vital to seek treatment since pain causes discomfort when doing your daily work. Treatment methods include:
Medication. Medication is the first method of treatment for pain relief and ease of inflammation. Medicines like ibuprofen and naproxen sodium may be used.
Injection. Your doctor may recommend an injection of steroid medicine for pain relief if medication is not helping. However, injection of platelet-rich plasma obtained from the patient’s blood could help in the regeneration of the damaged tissues.
Invasive surgery. It is a modern technique for treatment when no physical surgery is required. Your doctor makes an incision around the area of damage, passes a needle probe to the area of damage using ultrasound energy. The needle repairs the damaged tissues and removes the over-damaged tissues.
Surgery. Surgery is only done to severe plantar fasciitis. However, it is considered as the last method of treatment. Surgery is used to remove damaged tissues and nerves.
Plantar fasciitis is a disorder that affects the foot muscle that runs from the heel bone to the front of the foot. This disorder causes pain, and it may limit you from doing your daily work. Seek treatment and more information from Precision Footcare.
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Stroke results in significant debility in many patients because of paralysis and associated problems such as swallowing and speech, not forgetting the pain and accompanying symptoms. As a leading neurology and pain management facility, New York Neurology Associates provides innovative, personalized care for patients living with stroke in New York City and surrounding neighborhoods. To find out more about the practice, schedule a visit through mobile or book online.
What Causes a Stroke?
A stroke occurs once the blood supply to your brain is disrupted, hence depriving one or more of the brain areas of the crucial oxygen supplies. In most cases, the interruption of blood flow is because of a clot that develops in one of the carotid arteries. The main arteries are located on either side of the neck, supplying blood to the brain or blockage or narrowing in one of these arteries. These are referred to as ischemic strokes and are responsible for about 90% of all stroke cases.
Although rare, a stroke can occur once the blood vessels in the brain bleed and rupture, resulting in what is known as a hemorrhagic stroke. Both forms of stroke can cause temporary or permanent impairment of body functions such as movement, cognition, or speech, depending on where the stroke hits, and some are even adverse enough to cause death.
What Are Transient Ischemic Attacks?
Same as the ischemic stroke, transient ischemic attacks (TIAs, also known as mini-strokes), develop because of an arterial blockage. Fortunately, TIAs are relatively brief and appear to resolve by themselves, but that doesn’t guarantee they cannot cause damage.
One TIA is not life-threatening, but they mostly act as a precursor to a major stroke. With time, several TIAs can result in the deterioration in some regions of the brain, thus causing both cognitive and functional deficits.
What Are The Symptoms of Stroke?
The American Heart Association advises that people memorize the acronym “F.A.S.T.” This refers to:
Facial drooping, commonly on one side
Arm or other limb weakness
Speech deficits
Time to call 9-1-1
Other stroke symptoms include numbness or paralysis, mostly when limited to one side, severe headaches, and vision problems.
What Risk Factors Are Associated With Strokes?
Strokes have been linked to multiple risk factors, such as high cholesterol levels, atrial fibrillation, older age, high blood pressure, heart disease, personal history of TIA, and family history of TIA or stroke.
Patients with any of the highlighted risk factors should opt for stroke screening, including Doppler ultrasound to the carotid arteries to look out for signs of blockage or narrowing that could put you at greater risk of having a stroke.
Testimonials & Reviews
New York Neurology Associates values and appreciates reviews from their valued patients. To date, the practice prides itself on a 5 out of 5 stars rating based on 27 collected reviews. To see what others are saying about the facility, visit their website.
In conclusion, New York Neurology Associates welcomes new and existing patients. Besides, they accept most major insurance plans. To access their top-level care, book an appointment through mobile or use the online scheduling tool.
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Dental implants are increasingly becoming popular in dentistry due to the success rates. However, not everyone qualifies to get implants due to many inhibiting factors. If you are considering going for implants, there are some specific factors that you need to consider to determine whether you are eligible for the procedure. Luckily, a Red Bank dental implants specialist at Conte Dentistry can assess your current health status to inform you how to go about it. Here is how:
How do dental implants work?
A dental implant comprises a biocompatible material such as titanium, which provides perfect anchorage for other conventional restorative devices. Before your dentist places an implant, they will first examine the abutment, which occupies the bone's space for tooth replacement readiness. The second part is the crown of the tooth. It performs the basic and esthetic functions of the natural tooth.
Who can get dental implants?
Dental implants are designed to replace a missing tooth. Since they mimic the appearance and the functions of the natural teeth, they qualify to be the best conventional tooth replacement option after dentures. As long as you are an adult devoid of bone problems such as arthritis, you are eligible for dental implants to take the place of the missing tooth.
Who does not qualify for implants?
While implants are gaining popularity, not everyone qualifies to have them. Examples of ineligible persons for dental implants include:
A person with a chronic periodontal disease. Implants are placed over the gum tissue, which is why periodontal disease may interfere with their overall healing process.
People that have been on bisphosphonates to treat osteoporosis for a more extended period of time
Growing children since their jaws are still growing
People who do not have enough bone in the jaw
People with chronic illnesses such as diabetes or leukemia may not qualify since these conditions inhibit the healing process after surgery.
Tobacco users
Patients that have undergone radiation to the jaw
Anyone can get implants despite having dental conditions. If you have been diagnosed with bone problems such as osteoporosis, your dentist may try a different technique to ensure enough bone is grown to facilitate the easy placement of dental implants. So if you have any of these problems, discuss with your dentist about alternative methods that will not cause future oral health complications.
Life after dental implants surgery
Once an implant has been placed inside the bone, you can adjust to it as soon as its initial wound is healed. Expect some discomfort as your artificial tooth is adjusting to oral functions such as chewing or speech. The pain will be a thing of the past after some time. But if the pain persists, seek medical advice from your dentist.
Bottom line
A missing tooth does not need to hinder your happiness. You can count on dental implants to regain your lost confidence and improve your smile makeover. To find out if you qualify for dental implants, consult an esthetic dentist today.
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Okay, you’re a part or full-time trader now — congratulations! But are you 100% sure you’re squeezing everything out of your potential? Here is a bunch of reasons why upgrading your trading account to VIP is an excellent idea.
A Bigger Slice
Having a VIP trading account basically implies that you’re serious about your goals. You’re not just a random trader, you are a legit partner of the brokerage firm. And they are willing to do anything to keep you by their side for a long time:
Lower the commission.
Offer higher limits per trade.
Provide a VIP insurance policy.
As a result, you have a chance to increase your profits compared to what you’d gain with a regular account.
Advising
VIP traders get plenty of analytical assistance. Your account will be chaperoned by a professional analyst who’s willing to share their experience, insight and understanding of the unpredictable market world.
Besides, more advanced algorithms, detailed reviews, forecasts and thematic news will be at your disposal all the time. You won’t have to dissect the quirks and volatility of the stock market or Forex single-handedly anymore.
Training
VIPs get access to exclusive webinars, lectures, sessions and tutorials. Top traders will exchange knowledge, tips and tricks as well as make valuable acquaintances. It won’t just impact your trading skills positively, but also, like Sesame, networking will magically open up to you.
New Strategies
Trading is impossible without a proper strategy. A VIP account is a key to a whole treasury of such plans that you can apply to your benefit. Why assemble a bike yourself when you can grab one that’s been in many races and start pedaling to your goals and dreams right away?
Using these strategies is like copying a portfolio of a successful trader. Tactics and strategies are taken from the best of the best, so chances for loss are minimized. Besides, you can customize these strategies according to your vision anytime.
Lower Risk
Some brokers encourage their newly baked VIP clients with risk-free trades. Basically, once in a while you will be granted to trade real options, stock, currency, and so on without fearing to lose your money — the broker will restore your initial deposit in case of failure.
But don’t forget: it’s not a demo account. Your tools will be real money and assets. Besides, even a risk-free trade can be commissioned. (In both scenarios).
Who Wants to Be a VIP
As you can see, a VIP trading account has a wealth of valuable features. It won’t make you a genius trader, at least overnight. But its tools, perks and bonuses will certainly make your market career better and safer.
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People struggling with debt always want a way out. But it can be tough to come by a solution that’s likely to work. Debt consolidation is one way people with too much debt can potentially get it under control, even with subprime credit.
There are a few advantages of debt consolidation.
First, by definition, debt consolidation is a process of taking several loans and combining them into one. This is going to make it easier for you to keep track of how much you need to pay each month and to whom. With one loan as opposed to many, there’s no ambiguity on this front.
Your interest rate is possibly the most important aspect in determining whether you’re able to repay a loan. Higher rates mean your debt can keep growing if you’re only able to pay the minimum each month. Consolidating can lower your net interest rate, making it less onerous to beat your debt.
Can You Consolidate Debt with Poor Credit?
There are several different ways you can consolidate debt. Not all of them function the same way, and not all people are eligible for every kind. Let’s start by looking at credit card balance transfers. This is one of the more common ways people consolidate debt.
Credit card balance transfers are a way you can take several credit card accounts and combine them into one. One benefit specific to credit card balance transfers is they typically come with a low introductory interest rate. This perk can help consumers pay down some of their debt without accumulating interest. It should be noted, however, you generally can’t get approved for many credit card balance transfers with bad credit. While you might not be able to do a balance transfer with subprime credit, there are other opportunities.
What Are Your Other Options?
If you’re in too deep with debt, your first stop should be talking to a credit counselor. Credit counseling services can assist with budgeting and other basic financial services like getting a copy of your credit score. Conveniently, they can often help you out with consolidating debt through a debt management plan (DMP).
A debt management plan is where a credit counselor works with your lenders to negotiate better terms for fees and payments. Doing this can be an effective way to get out of debt through consolidation.
There are a number of other effective options to explore. Consumers will find helpful resources at Bills.com debt consolidation services. You’ll find several additional ways to consolidate debts to help make them more manageable.
Among them are:
Debt Consolidation Loans – It’s possible to get a loan into which you combine several lines of credit into one. It can be credit cards, medical bills, personal loans, or other forms of debt. Doing this can vastly simplify your debt repayment, while giving you potentially better interest rates and lower monthly payments, even with average credit.
Home Equity Loans – You can use the equity you have in your house to help pay down your other debts. It should be noted that while doing this can be effective for beating debt, you do put your home at-risk.
Debt Relief – People with poor credit, or who are over their heads in debt might need something stronger than a consolidation loan. Individuals in this situation might want to look at debt settlement, which is where a debt relief agency works with your creditors to lower the amount you owe for a single payment in full. It should be noted that doing this requires you to stop making payments on your loans, which can hurt your credit, as payment history is the most important factor.
Debt consolidation is an effective way for many consumers to get out of debt. The good news is several options for consolidating debt can be done by those with subprime credit too.