That was one of the items I was wondering about. We don't collect it now, but will have to once we start reporting. We have already made the decision when they lowered the number of loans from 500 to 200, that once we start reporting we will continue report even if there is a year that we don't originate 200 or more to avoid saying this year we collect it and next year we don't. I'm pretty sure one of the HMDA classes I attended said we could start collecting GMI in 4Q of the year prior to mandatory reporting and those loans would not be considered a violation. Based on our numbers we've got a ways to go before we even reach 200. I'm trying to gather as must information as I can for the person that is taking over HMDA when I retire next year as to what they need to be watching for.