Jeff  

There’s a lot of rumors…talking about how the rate might change on January 6th.  Disregard that.  I can promise you the rate is not changing on January 6th.  I’m going to give you a date in this and it’s opinion-based so this may or may not happen.  If the rate it going to change, because we don’t know if the rate is going to change in the month of January, it will be sometime in the second half of January after the 15th.  That is a promise.  It has to be after the 15th…The rate cannot change before the 15th.  And…it can only change on what is their Sunday…So it has to be on one of their Sunday’s after the 15th.  Again, we don’t know if the rate is changing in January at all.  We do know January is a critical month…