Yes, I sometimes make private hard money second mortgage loans. As you are probably aware, most private lenders don’t. I’m different because I am not a broker and strictly use my own money and don’t have to answer to some private investor with picky rules. I do what feels good. If you own, let’s say, a 12 unit apartment building that’s worth $600,000 or so and you have a nice low interest $200,000 first mortgage against it, why shouldn’t I lend you a $100,000? You get to keep your nice first mortgage in place and maybe only need my loan for a year.