I’m not saying that the bank didn’t take risk, because they did, and I did as well. What I’m saying is they have no risk now. Well if things keep going as they are I guess it will only be 2 more months to get from 80% to 75%, I guess I could have wasted that $250 on something else equally stupid like buying chairs and painting them with a new $50 wagner paint sprayer, little tip (Behr paint goes on sale next week @ Home Depot, $5 off per gallon).