I support your recommendations, Mr. Chairman. I think the current structure of rates is close enough to what we need, and I would hesitate to do something that would cause a lot of fluctuations in expectations. If we get to the point in November or December where we pause, I think rates will go down. It will trigger some of that refinancing we’ve talked about. I’m not really worried about the financial system in that situation; it’s pretty robust. It proved that in the summer of ’03. There wasn’t that much collateral damage, but we don’t have to inflict it until we have to.