There are people like us who are paying about $335/month who could go to $25,000/year. Yeah, the number of zeros is correct. That is why something must be done. You are right, most people cannot absorb that cost increase. I mean if your house is valued at $150,000 and your rate goes to $25,000/year you could buy a new house in a few years if everything else stayed the same. With the expected rates, property values will drop like a lead balloon. We just think Detroit has had problems. Stories and scenes like we see coming from Detroit are just the beginning.