In Bruce 

There were a handful of bankers that were doing some illegal things…it ends up that those 5 individuals were extricated from 2 main banks. So we were slowed down by this activity…this process is rolling out so very slowly…now I’m not so sure we’re going to get anything for us…in the way of notifications and the start of our exchanges – before Christmas…the information I have from 2 sources – are saying  the information is – we are starting either the 1st or 2nd or the 3rd day after Christmas…we would take it all the way up to/through the 4th of January…it was the President’s goal – to get this out –  at least get it started –  before Christmas –  now it looks doubtful. So everything is still on track – it’s just that the train has slowed down a little bit for us.