Well, it really depends on what rate we are charging for the loan. Presumably we are going to charge for the loan at a rate that is attractive in times of extremis and somewhat expensive in normal times. So the question really is, Will the market financing improve quickly enough to make the market a cheaper source of funds? I don’t think we can count on all of these loans going away before the end of the term. I think we have to presume that the term could actually be three years because we just don’t know whether the financing will be available from the private sector sooner.