Scott Valentin at FBR Capital Markets asked precisely the question that concerned me the most
Then as far as the REIT status, are there any implications in terms of trying to manage the REIT compliant assets with the bank?
No, actually one thing we can probably comment on is our agency portfolio, which a lot of people know has been driving our REIT optimization -- REIT compliance. We have actually been able to downsize that because we had overinvested in that. That portfolio is probably now down to $2.5 billion. And we think it is going to go smaller because we don't need quite as many assets. So managing the REIT structure right now has not been that difficult for us. So this doesn't change any of that.