Thank you, Mr. Chairman. Given the dismal state of the economy, and with the funds rate averaging around 1/8 percent anyway, I don’t see any reason to wait to bring the fed funds rate down to effectively zero. I agree with the staff analysis that any dislocation of the money funds is likely to be minor. My board put in for a 75 basis point cut in the discount rate. When I looked over at my small bankers, I was afraid one of them was going to throw a shoe at me. [Laughter] I escaped that.