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I really appreciate that, and I'm actually writing up a more descriptive piece for the members here. But to give you an example of the last book of about 100 mortgages we bought: 1. All 30 year fixed notes; 2. Average of a 22 year pay string (in other words, there's about 8 years left on the notes); 3. Average yield is 9%; 4. Non-government backed; 5. Average loan to value of 40% (so homeowners equity is 60%); 6. All homes in Texas (which have very favorable lender foreclosure laws, it's what I call a tier one state for lenders); 7. Bad credit scores up and down the portfolio; and 8. All are secured by first in line deed of trust. We were able to get these because of the really bad credit scores of the home owners. I personally could care less what the credit score is, if I have a 22 year current pay history, loan to value is 40% or more (based on appraised values from years ago, so in reality its probably even better), and I know I can get the asset with relative ease if there's a default (compared to other jurisdictions). We don't expect books like this moving forward, as the average yield we're seeing is closer to 7% (of course that's gross to the company, not investors), but there is a LOT of product at that level.