This is comprised of $1,500,000,000 of recreation loans, $827,000,000 of home improvement loans and $111,000,000 of commercial loans. For the year, the average yield on our loan portfolio increased 32 basis points from a year ago to 12.01%. Consumer loans more than ninety days past due were 11,400,000 or 0.49% of the total consumer loans as compared to $10,600,000 or 0.52% a year ago. Our provision for credit loss was $20,600,000 for the quarter, an increase from both the 20,100,000 in the third quarter and the $10,800,000 in the prior year quarter and reflected the release of $3,900,000 of allowance for credit loss associated with $121,000,000 of recreation loans being moved to held for sale. In addition, the current quarter included $1,700,000 of net benefits related to taxi medallion loans, which compared to $12,100,000 of benefits in the prior year quarter.