Is the housing outlook still strong or do you see a weakness developing and if so, what does that mean for mortgage originations?
CAREY: Housing starts are down a little bit this year. For the overall industry, we are forecasting housing starts and therefore new home sales and existing home sales to be down in 1999. But 1998 was a record year for the housing market and it was actually the third consecutive record year. So it is hard to keep setting records.