Most of the morning meeting was spent today talking about balance sheet rules and regulations. New mandates have come out dealing with customer loyalty points and how things need to be tracked and shown. Steve and Eric were talking about options, next steps, and how we want to handle things. Some of their discussion was centered around the topic of off sheet balance sheet items (things that are not part of the normal balance sheet math or ALE - assets, liabilities, and equity). The off sheet or off balance sheet item would show up below the main math and basically be a reminder type item. Some of these things are hard to really put a finger on due to redemption rates, redemption follow through, and other phantom type issues. Coupons and other things are similar. You start getting into the phantom realm of accounting and perceived liability.