This is the second person you mention that I’m aware of that has the capacity to pay, continue to pay and are educated. And yet, it seems they overpaid and bought during a bubble. And I remember you said you would tell people not to buy during the bubble. It is unfortunate that with all that education and even your prudent counsel, that they were not smart enough to wait out the bubble. I have to agree w/Lucky and go a step further, they need not just a tax man, but a good financial consultant.