To add to my e-mail: I found a previous posting (4/4/08) that said it would not be permissible to add a floor rate to existing home equity lines. We can only add a floor on new plans on a go-forward basis. To establish a floor, we would have to contract for it and it would need to be disclosed in our plan disclosures. Reg Z will permit a change that is agreed to in writing by the customer. So, if we did a Change in Terms and the customer would agree to that (sure), do we need to give new disclosures with a new historical table that takes the floor into consideration? Thanks!