Lots of interesting information tonight. Just wondering if anyone paid attention to the actual portfolio which consists of 47% adjustable rate loans that are on the books at about 52 cents on the dollar. This is a HUGE cushion to rate and credit risk. If the loans refinance we win 100 cents on the dollar, if not they adjust to current interest rate levels and some will default but the almost 50% equity cushion provides a tremendous buffer to loss even with falling market values. Now combine these facts with an interest rate hedging strategy that the company deploys and you may begin to realize why the market is starting to see these assets as undervalued. So does management as we have seen with recent share purchases. REITS can be a way to get rich quickly. I love capitalism don't you?