That spread is probably a record low for that much leverage.

The big question relates to the valuation of commercial real estate.

This last year was simply ideal circumstances. Commercial real estate values generally held, interest rates are compelling and the [loan] maturity cycle is growing.

There should have been a special prosecutor brought in.

I think that's basically going to be real close. I think early on we looked at 1970 as the number, but now it's looking like it may be a little higher, but it will probably go up about 50.

We're trying to evolve a lot away from YouTube because YouTube is awesome - they have a huge audience, and we started there - but then you're at the mercy of their algorithms a lot, too. They can change anything, and it's really up to them, and you can't say anything about it.