Thank you, Mr. Chairman. I have a question for Bill Dudley and Sandy Krieger. I am a bit confused about the discussion of the overcollateralization withdrawal. I guess I am not sure what the purpose is of the TAF collateral restriction of 50 percent only being for the day of the auction. I don’t recall a robust discussion of that particular detail, and frankly—maybe this is my fault—that wasn’t my interpretation. When we discussed this with our directors, who are quite concerned about the safeguards on these loans, we had indicated that there was a term cushion, which Sandy is now mentioning we need to impose. I guess my question is, Was this anticipated? Any discussion of that would be helpful.