Mr. Seamus McCarthy:

I accept that. I make that point to support the idea of having an internal rate of return as a benchmark that the 5% discount rate that was used in setting the prices at take on is implicitly an internal rate of return. I am not trying to argue for any particular rate as being a benchmark. That is for the board to determine. My argument was that it is a benchmark, it is something with which one can look at individual loans or portfolios as a whole and can determine that we are doing well, we are ahead of the benchmark we have set or we are falling short of it.