I just wanted to throw this out there for the board; I believe that RAIT's mid-market RE lending is timely and hopefully they are doing it well. I was reading an article in Barrons today on KKR and found a quote by George Roberts to be interesting and it also validates my opinion on the prospects for RAIT and their RE lending business: "Yet, if he were starting an investment firm today, Roberts says he would focus on smaller real-estate deals, not private equity. The big banks don't bother with small deals, and smaller developers are shut out of the market. "In certain areas there are shortages of capital," he says. "That's why direct lending has become attractive."