I don't know what it is now, but it tends to run high--I think I remember 14% three years ago. At the time took advantage of Disney financing to buy 200 points of BLT at $96 direct. We wanted BLT and wanted to take advantage of that particular offer, thinking that would be the lowest price we'd see for awhile. However, we didn't have the money on hand immediately, so we financed. Two months later, we had moved some money around and sent them a check to pay it off.