Equity Overview

Most mortgages at least in the United States are not based on LIBOR, they're based on something like the San Francisco Federal Reserve rate. I do think for the smaller firms and for the, you know, the trusts and vehicles that for which doing a change can be very expensive or time consuming it, it can be a problem. Just to give a little bit of a background, this comes up only in the context of floating rate, death obligations.