Today is the day that many analyst believe the Federal Reserve will again lower the funds rate by 1/4 point. I would also anticipate that rates will lower again next year. The good news is that in the seven states that have the lion share of troubled loans, this could help some to refinance. Although Oklahoma is about average for foreclosures, this helps all states. We are still up 3% in volume over last year, so thankfully we have a stable market. Forbes Magazine just came out with their annual job survey. Oklahoma City was rated 10th in the nation for job growth. More jobs means population growth, and population growth creates more jobs in the service industries. The 1000 Boeing private contractors arriving next year for work at Tinker Air Force Base are the type of quality jobs that have a 4.5 mutiplier affect for service oriented jobs. Oklahoma Cities multiplier affect for population is 3.7. This is what keeps a city rolling. Again, I would like to say stay in conservative markets for the next few years. Markets like ours can give you positive cash flow with 10% interest only, and normally neutral for fixed rate 10%. Plus, on many of our properties we are guaranteeing 3 months rent, and paying for a chattel appraisal that accelerates your depreciation. Hope to see you in San Francisco December 1st.