Mr. Barry O'Leary:

If I might just add, the HFA does a decent job and we offer a low-cost interest rate, but the focus on this needs to be more than just the cost of interest. Simply having the HFA lend into that environment rather than HBFI does not solve the problem. If the game is to pass the parcel of risk on and the HFA gets the risk, that is fine if somebody decides to do it, but it would be priced accordingly. The idea of lending at 1.25% or 1.5% disappears at that stage. There might be no difference. There might be no difference between our pricing for that product and the HBFI product.