Getting the benefit and availability of the site committees. We do believe we would get additional takeout from higher attach servicing of these loans with the policy changes that weve made. On the origination side, we are increasing premiums to some degree, 10 basis points on an annual basis. You think its important measure to take given what the fundies. We are very mindful that we have to be careful about adding additional cost on to new borrowers on loans that frankly are already profitable and starting to develop a cushion for fha. But at the same time, we need to ensure we can bring in additional revenue, which will be helpful for the fund moving forward. We are reversing a policy that has been not longstanding, but standing since around 2000 of automatically canceling mortgage Insurance Premium vanilla amortize to a 78 of tv. We have reversing the policy and making sure the Insurance Premium remains with the log. Fha is insuring the blog for ongoing period of time. We dont get o