10 Federal seeks to utilize long-term fixed rate finance whenever possible. To that end, most of our apartment portfolio is financed with HUD debt that in most instances has a 40-year term, 40-year amortization schedule, and a fixed rate ranging from 2.35% to 4.10%. Our self storage portfolio is similarly financed with long term debt often originated through FNC Bank (formerly Yadkin) or the SBA for construction and permanently refinanced with the life insurance companies. We enjoy great lending relationships with Greystone for the HUD financings, FNC Bank for the construction finance, and Medalist Capital for the origination of the permanent refinance.