This is my opinion and my opinion only…whatever is going to happen needs to happen quickly…the truth of the matter is whenever the discussion of the rate change happens, it’s done in a very very small group of people. If they decide to do it, one person will call it and make it happen. You won’t even be aware of it until people start blowing it up all over social media. We have no idea what’s holding it up or why it hasn’t gone forward. There is a lot of speculation that it might happen between now and the end of the year. I understand why. That would be nice. But there is no proof of that…stay grounded.