We have access to a muli-million dollar mezzanine fund that invests globally and provides cash into qualified projects as the sponsor’s equity without taking collateral or equity.  This allows lenders to be in the first lien position on projects.  Our relationship with the fund offers a good source of capital to leverage any borrower’s credit - we can add that “extra” cash to the applicants accounts that help them to qualify.  In addition, there are hundreds of applicants applying for this investment capital - thereby allowing us to provide qualified projects that will have 15% to 30% of the loan amount in cash. This would allows lenders to underwrite these projects following their own guidelines.  There are opportunities for creative lenders to become protected equity participants (guarantors) for some of these applicants.