The combined Bank will remain active originating home mortgages. We plan to use the secondary market as a source of funding, but when we do, we most often will sell loans and continue to service the loan even if we do not own the loan. There are specialty programs offered by MassHousing and the FHA, for example, where we cannot service the loans. This is true today as well. Offering those loan types, even when we cannot service them, is a benefit to our local communities.