sdduuuude, I read your theory three times and I like it. You are onto something and with your permission I’m going to use “HS” as in my daily language. The repos are coming in real fast right now, this fall may be the last straw in many areas, next fall in the remainder, after that the bulk of the F.B.’s will have shaken out and the quality of loans began increasing a year or two ago and only good loans are entering the pipeline right now, which supports the 2010 at a tapering time. I’ll be watching and will raise my glass to the HS phase.
