So how do we think about this, it's great for our servicing business. As I pointed out we have $840 billion on a notional basis of mortgage servicing assets. Lower prepayment equals one thing for our servicing business that debt [ph]. Lower prepayment equals one thing for our servicing business that's more earnings and more cash flow. On the commercial real estate side debt space remains a very big focus of ours going forward with no legacy assets and very attractive valuations. You could expect us to allocate more capital to this sector going forward. If you recall we acquired GreenBarn, which was formerly known as Senlac/Normandy Partners at the end of last year. Since then we've made some opportunistic investments and will continue to do so. Right now we see the debt side extremely attractive. There's so much more I could talk about and we're really excited for our company and the prospects ahead.