Mike: 95% of people call in and they want a 30 year note and it really is not the best one. For example, I would tell a customer that is 55 years old, look why not do a 15 year note, the payment is about 22% higher so rather than payment being $800/month it is going to be $1,000/month but here is the big difference, you pay your house off in 15 years, but the other big difference, when you sell your house in 5 years, you pay off 25% of the mortgage on a 15 year not versus 7% on a 30 year note, and even a 20 year note. I mean we do a lot of 20 year notes, there is 20, 25 year notes, there is all kinds of notes available, most people don’t offer them because they have to explain why they are doing them. But anybody, if somebody can afford, I can tell you, my own personal opinion is that if you can afford the payments without strapping yourself and I don’t think anybody should be house poor, but if you got plenty of expendable income, you can afford a 15 year note, I am going to recommend that. Now whether you take the recommendation or not, that is up to you but I am at least give you that option and I am also going to send you an amortization schedule that shows what the difference balance is going to be after 5 years. When you look at it and see what a 20 year note does for a 30 year note, what a 15 does to a 30, it is amazing how much more equity you have.