I would urge you to sell your positions in MTG and PMI, you guys know they are absolute toast. I would also urge you to be forthright in your reserving. How do you keep $24k as a reserve when last year you paid out closer to $50,000?? You guys think 50% of your delinqunets are going to cure, please, I mean please. How about a dose of integrity.By the way, home prices are down substantially as well so the $24,000 seems to be very aggressive. You do not want your current auditor to fire you as well. Why dont you set the standard in the industry and give us the age of your delinquencies.