It’s not that markets won’t work. It’s just the economics of originating subprime loans and selling them into the market would no longer work. In other words, at some point, if the actual capital markets are not willing to accept those subprime mortgages at the right price, then the ability of the person to originate the mortgages and sell them into the market goes away. Now, would this wreck the market? Well, it depends, because some subprime originators can carry these loans on their own books. But the industry is quite fragmented, with a lot of these issuers not having the ability to carry these subprime loans on their books. So that part of the subprime origination market would go away. Some of the monoline subprime originators would be unable to exist if there weren’t a securitized demand for those assets.