Since decisions about these new mortgage rules have many implications, I was wondering if you will include a guide to making business decisions regarding what types of mortgages to accept. I know that we will need to consider how our decisions will affect fair lending, CRA and even UDAAP not to mention profitability and risk. I’ve also been told that we should be looking at a sample of loans from the prior three years to determine if, under the new rules we would have made those loans. This sounds like an overwhelming task to me so, I guess I am asking for a tool to help work through it. Thanks.