Duck, it’s not only Subprime but also Alt-A that is in trouble because it’s the same type of financing that was extended to them as well. Also, it is an estimate that 20% of subprime loans WILL default, this does not mean that the rest 80% WILL NOT default at all, many of those subprime borrowers will face the same fate as well so don’t think the percentage is just 20%, it will be much higher than that.