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How you would finance a practice in Southern California is we have four to eight banks that we work with, primarily we work with Masco, Professional Practice Capital, Bank of America, and GE. These are the four main banks that we work with and they know how I do our pricing model, my 12 months cash flow and they trust me because after I sell a practice, I follow my buyers for 12 months after the practice to make sure they do what we project. So, the banks trust California Practice Sales, trust our integrity that we are pricing at the correct level, so that you as a buyer is going to make money and you as a seller will be happy with the sales price. So, we get 100% financing, on a 7-year 84-month loan, fully amortize, no balloon, and the rates now are approximately 8.75%, so it is very attractive because buying a practice from the day 1, you should be able to make money versus starting from scratch. I have found starting from scratch easily takes you two to three years to make money versus buying a practice is going to need a cash flow, the patients are there, the staff is there, so our job is basically to find a buyer that is going to go into the practice, take out the seller and put in a new buyer, the staff stays, hygienist stays, everybody stays to do a nice transition between doctor new and doctor previous.