I’m curious, if the ARMs peak in October as projected, won’t it take a few months for any homeowner’s distress related to the higher payments to be felt in the marketplace? Let’s say a payment increases by 10 or 20 percent in October, Mr & Mrs FB Homeowner struggle for a couple of months or so to make the payment, then after three to six months realize they are fighting a losing battle and give up the ship. Then comes the several month period before they get the NOD, and several months after that for the NOT sale. So it could be well into next year, maybe fall of 2008, before the October resets are of any consequence on home prices, which we are all anxiously waiting to fall. Correct me if I’m wrong.