Thanks for giving it a shot, Raitch. Yeah, it's a tough call. Your logic and conservative approach is solid. I could see a case either way. For actual commercial properties, I feel you can easily extrapolate the recent Final Rule with the InterAgency Guidelines and for multiple properties, the appraisal/evaluation trigger will be $500,000. But, with a loan secured by multiple 1-4 family units, it's not as clean cut of a correlation.