Some of the questions I get from the heavier investors is, “We want to exchange our dinar upfront so we get a big chunk but how do we play this out?”  I have no idea the rate when it does come out, that it’s going to go up or retract.  I don’t know anyone with the ability to predict that.  So when you go to exchange your first chunk you better have enough that’s going to take care of all your hopes and dreams.  And the rest you can risk if that’s what you wish to do.