2011 has started off as 2010 ended – volatile. Rates have continued to rise, but don’t get me wrong, rates are still good, just not as good as they were in 2010. I don’t expect them to return to those 2010 levels. We expect that rates will continue to rise as the year progresses on a slow and steady growth. We hope that rates land around 5 to 5 1/2 for the year, but we will continue to keep watching the market and let you know as things seem to be changing.