The cynic in me would say that a lot of money has been allocated into the credit space. A lot of money has gone into things like credit-default and credit-derivative products. Investors want exposure to credit to enhance yield. They are getting that exposure more and more through derivatives. You need supply to feed those structures, and so, as it were, demand to some degree is creating the supply. That’s one version of events. A second version is that the covenants are easier to negotiate and somewhat easier in general or less stringent than what you might get in the bond market. Third, it might just be cheaper to go out and structure these types of borrowings with a small group of lenders as opposed to going out and actually marketing a bond issue.