Stephen – Dinar Guru We are drawing very close to the end of this…Start preparing for when it happens because this is going to be a very emotional event for a lot of people. Most people are just going to be happy to go to the bank. They’re not going to do any prior research. They’re going to drive to their closest bank and the bank is going to say, this is what we’re offering. This is the fee. This is the spread. And people are not even going to care. They’re just going to take it. That is where a lot of mistakes are going to be made…