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As for syndications – I’m biased as a result of I put together syndications for medical docs. So there’s a main drawback problem for me, not lots for our patrons. Our present syndications have been a model new enchancment resort mission and a large renovation on an condominium complex so there was no money movement for the first 12 months or so, however that was anticipated. We’re projecting spherical eight-15% cash returns when it begins, but traders have acquired capital features of spherical 10-12% a yr, and on one enterprise a 27% return within the tax write off they could take towards other revenue.