In Bruce 

We could be looking at a Mon-Tues meaning Monday for numbers & emails to be sent out and Tuesday for start of exchanges – or it could all come in on Tuesday – we don’t know that – they are supposed to determine that…tomorrow’s [Friday] call is with US Treasury – Homeland Security – Abbott Downing – and all tier 1 and tier 2 banks…That is happening to determine the “WHEN”… they want to get this done before Christmas – and that is the intention and I believe they have the plan to do that – it’s possible we would start Tuesday – or possibly Wednesday – 15th or 16th…don’t worry about rates – rates are fine – they are very good – and you’re not going to be disappointed at all in that- it’s all good.