Kingside. You are probably correct with cali law. I have not done a commercial loan there so I will defer to your experience. In other parts of the country, personal gurantees are typically negotiated. I wonder if california, being a hotbed of commercial investing, has gone through enough bad cycles and implemented laws requiring some personal guarentees for commercial loans. If personal guarentees are standard, anyone know what is going to happen to the borrowers with all of the underwater cali commercial loans going bad now and into the next 3-5 years? There are alot of vacant strip malls out there.