My experience in dealing with the VRM was that the lowest price in the range was a price the seller would never under any circumstances take. They put it there to get more people into the game. How it will work in a changing environment is anyone’s guess. I dealt with it in 1998 with Prudential people. They told me at the time that the low price would always be below where you would ever want to sell. It is annoying when looking at listings to see that.