Exhibit 10.1.2
                                                                  EXECUTION COPY

       SECOND AMENDMENT TO AMENDED AND RESTATED REVOLVING CREDIT, CAPITAL
                    EXPENDITURE LINE AND SECURITY AGREEMENT

      THIS SECOND AMENDMENT TO AMENDED AND RESTATED  REVOLVING  CREDIT,  CAPITAL
EXPENDITURE LINE AND SECURITY AGREEMENT (the "Agreement") is entered into on the
__ day of  October,  2002 by and  among  PHILIPP  BROTHERS  CHEMICALS,  INC.,  a
corporation  organized  under the laws of the  State of New York,  ("Borrower"),
Phibro-Tech,  Inc.,  a  corporation  organized  under  the laws of the  State of
Delaware,  C P Chemicals,  Inc., a corporation  organized  under the laws of the
State of New Jersey, The Prince Manufacturing  Company, a corporation  organized
under  the  laws of the  State  of  Illinois  (as an  individual  entity  and as
successor by merger to The Prince Manufacturing Company, a corporation organized
under the laws of the  State of  Pennsylvania),  Prince  Agriproducts,  Inc.,  a
corporation organized under the laws of the State of Delaware,  Mineral Resource
Technologies,  Inc.,  a  corporation  organized  under  the laws of the State of
Delaware  (successor by merger of Mineral Resource  Technologies,  L.L.C.  which
merged into MRT Management Corp.),  Phibro-Chem,  Inc., a corporation  organized
under the laws of the State of New Jersey, PhibroChemicals,  Inc., a corporation
organized under the laws of the State of New York,  Western  Magnesium  Corp., a
corporation  organized under the laws of the State of California,  Phibro Animal
Health Holdings,  Inc., a corporation organized under the laws of Delaware,  and
Phibro  Animal  Health U.S.,  Inc., a  corporation  organized  under the laws of
Delaware  (each a  "Guarantor"  and  collectively  "Guarantors"),  the financial
institutions   which  are  now  or  which   hereafter   become  a  party  hereto
(collectively, the "Lenders" and individually a "Lender") and PNC BANK, NATIONAL
ASSOCIATION,  a national banking association ("PNC"), as agent for Lenders (PNC,
in such capacity, the "Agent").

                                    RECITALS

      Whereas,  on August 19, 1998,  PNC,  the  Borrower and certain  Guarantors
entered into a Revolving  Credit,  Acquisition Term Loan and Security  Agreement
(as such has been amended, supplemented and/or restated until November 28, 2000,
the  "Original  Loan  Agreement"),  pursuant to which certain  Lenders  extended
various credit facilities in favor of the Borrower;

      Whereas,  on November 29, 2000,  Borrower,  Guarantors and Lenders amended
and  restated  the  Original  Loan  Agreement  and  entered  into an Amended and
Restated Revolving Credit,  Capital  Expenditure Line and Security Agreement (as
may be amended, supplemented and/or restated, the "Loan Agreement"), pursuant to
which the Lenders extended various credit  facilities in the aggregate amount of
$85,000,000 in favor of the Borrower;

      Whereas, on September 28, 2001, Borrower, Guarantors and Lenders agreed to
modify the terms of the Loan  Agreement  as set forth in the First  Amendment to
Amended and Restated  Revolving  Credit,  Capital  Expenditure Line and Security
Agreement;

      Whereas,  Borrower,  Guarantors  and Lenders have agreed to further modify
the terms of the Loan Agreement as set forth in this Agreement.

      Now, therefore, in consideration of Lender's continued extension of credit
and the agreements contained herein, the parties agree as follows:

                                    AGREEMENT

1)    ACKNOWLEDGMENT  OF  BALANCE.  Borrower  acknowledges  that the most recent
      statement of account sent to Borrower with respect to the  Obligations  is
      correct.

2)    MODIFICATIONS. The Loan Agreement be and hereby is modified as follows:

      (A) The following  definitions contained in Section 1.2 are hereby deleted
and new definitions are substituted therefor to read as follows:

      "Capital  Expenditure  Line Interest Rate" shall mean an interest rate per
      annum equal to the sum of the Base Rate plus one and three quarters of one
      percent (1.75%).

      "Revolving  Interest  Rate" shall mean an interest rate per annum equal to
      the sum of the Base Rate plus one and one half of one percent (1.50%).


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<PAGE>

                                                                  Exhibit 10.1.2
                                                                  EXECUTION COPY

      "Maximum Loan Amount" shall mean $60,800,000.

      "Maximum Revolving Advance Amount" shall mean $55,000,000.

      (B) The  following  definition  is hereby added to Section 1.2 of the Loan
Agreement to read as follows:

      "Inventory  Sublimit"  shall mean (i)  $35,000,000 in the aggregate at any
      one time until and  including  March 31,  2003,  (ii)  $32,500,000  in the
      aggregate at any one time from April 1, 2003 until and including  June 30,
      2003 and (iii) $30,000,000 in the aggregate at any one time thereafter.

      (C) The following  definition  contained in Section 1.2 is hereby deleted:

      "Applicable Margin"

      (D)  Subsection  2.1(a)(ii)  of the Loan  Agreement is hereby  deleted and
replaced with a new Subsection 2.1(a)(ii) to read as follows:

            (ii) the  lesser of (A) 60%,  subject to the  provisions  of Section
      2.1(b)  hereof,  of the  value  of the  Eligible  Inventory  ; or (B)  the
      Inventory  Sublimit;  or (C) 85% of the net orderly  liquidation  value of
      Eligible  Inventory as determined  by the  appraisals  (the  "Appraisals")
      referred to in Section 7 of the Second  Amendment  to Amended and Restated
      Revolving Credit,  Capital Expenditure Line and Security Agreement,  dated
      as of October __, 2002, by and among Borrower, Guarantors, Lenders and the
      Agent,  and thereafter as reasonably  determined by the Agent from time to
      time upon request of the Borrower using substantially the same methodology
      and  standards as are used in the  Appraisals  (the lesser of (A), (B) and
      (C) shall be referred to as the "Inventory Advance Rate") (the Receivables
      Advance  Rate  and  the  Inventory  Advance  Rate  shall  be  referred  to
      collectively, as the "Advance Rates"), minus

      (E) Subsection 2.2(a) of the Loan Agreement is hereby deleted and replaced
with new Subsection 2.2(a) to read as follows:

            2.2 (a)  Capital  Expenditure  Advances.  Subject  to the  terms and
      conditions  set forth in this  Agreement,  each Lender,  severally and not
      jointly, will make Capital Expenditure Advances to Borrower,  from time to
      time  during  the  period  commencing  on the  Closing  Date and ending on
      October 1, 2002, in aggregate  principal  amounts,  at any time,  equal to
      such Lender's Commitment Percentage of up to the lesser of (i) $5,800,000;
      or (ii) 70% of the  appraised  orderly  liquidation  value  of  Borrower's
      domestic  Equipment  (For  purposes of this  Subsection  2.2(a),  the term
      "Equipment"  shall  include  only the  Equipment  of the  Borrower).  Upon
      receipt  by  Agent  of an  appraisal  calculating  the  appraised  orderly
      liquidation  value  of  Borrower's  domestic  Equipment,   Borrower  shall
      reimburse  each  Lender  their   Commitment   Percentage  of  any  Capital
      Expenditure  Line Advances  provided to Borrower in excess of the value of
      70% of the appraised  orderly  liquidation  value of  Borrower's  domestic
      Equipment.  The Capital  Expenditure  Advances  shall be  evidenced by the
      secured   promissory   note  (the   "Capital   Expenditure   Line  Note"),
      substantially in the form attached as Exhibit 2.2(a).

            The amount  derived  from the  calculation  of the lesser of (i) and
      (ii) above shall be referred to as the "Capital  Expenditure  Line Formula
      Amount".

      (F)  Subsection  2.10 of the Loan Agreement is hereby deleted and replaced
with a new Subsection 2.10 to read as follows:

      2.10. Letters of Credit. Subject to the terms and conditions hereof, Agent
      shall (a) issue or cause the  issuance of Letters of Credit  ("Letters  of
      Credit") on behalf of Borrower;  provided, however, that Agent will not be
      required  to issue or cause to be  issued  any  Letters  of  Credit to the
      extent that the face amount of such Letters of Credit would then cause the
      sum of (i)  the  outstanding  Revolving  Advances  plus  (ii)  outstanding
      Letters  of Credit  to exceed  the  lesser  of (x) the  Maximum  Revolving
      Advance  Amount  or  (y)  the  Formula  Amount.   The  maximum  amount  of
      outstanding Letters of Credit shall not exceed $7,500,000 in the aggregate
      at any time. All  disbursements  or payments


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<PAGE>

                                                                  Exhibit 10.1.2
                                                                  EXECUTION COPY

      related to Letters of Credit shall be deemed to be Revolving  Advances and
      shall bear interest at the  applicable  Contract  Rate;  Letters of Credit
      that have not been drawn upon shall not bear interest.

      (G) Subsection 6.5 of the Loan Agreement is hereby deleted.

      (H)  Subsection  6.6 of the Loan  Agreement is hereby deleted and replaced
with a new Subsection 6.6 to read as follows:

      6.6. Interest  Coverage Ratio.  Maintain at all times an Interest Coverage
      Ratio of (i) not less than 1.29 to 1.0 as of  September  30,  2002,  to be
      tested for the immediately  preceding three (3) months; (ii) not less than
      1.33 to 1.0 as of  December  31,  2002,  to be tested for the  immediately
      preceding six (6) months;  (iii) not less than 1.37 to 1.0 as of March 31,
      2003, to be tested for the immediately  preceding nine (9) months and (iv)
      not less than 1.40 to 1.0 as of June 30, 2003 and thereafter, to be tested
      for the  immediately  preceding  twelve (12) months.  For purposes of this
      Section  6.6,  EBITDA shall be  calculated  to exclude  one-time  charges,
      restructuring charges and charges from discontinued operations.

      (I) Subsection 6.10 of the Loan Agreement is hereby deleted.

      (J)  Subsection  6.12 is  hereby  added to the Loan  Agreement  to read as
follows:

      6.12.  Monthly  Domestic Cash Flow.  Maintain at all times,  except as set
      forth below, a monthly domestic cash flow of at least  $2,250,000,  tested
      monthly on a trailing  three (3) month basis.  However,  for the months of
      December,  January and February of each year,  monthly  domestic cash flow
      shall not be less than  $1,750,000  tested monthly on a trailing three (3)
      month basis.  For purposes of this Subsection  6.12, (i) monthly  domestic
      cash flow shall  mean,  for any month,  the sum of EBITDA  plus  dividends
      and/or  distributions  paid to the Obligors from all foreign  Subsidiaries
      and  (ii)  EBITDA  shall  be  calculated  to  exclude  one-time   charges,
      restructuring charges and charges from discontinued operations.

      (K)  Subsection  6.13 is  hereby  added to the Loan  Agreement  to read as
follows:

      6.13.  Minimum  Undrawn  Availability.  Maintain  at all  times a  minimum
      Undrawn Availability of not less than $5,000,000.

      (L)  Subsection  9.9 of the Loan  Agreement is hereby deleted and replaced
with a new Subsection 9.9 to read as follows:

      9.9. Monthly Financial Statements and Borrowing Base Certificates. Furnish
      Agent within  thirty (30) days after the end of each month,  the financial
      statements of the Borrower and all of its direct and indirect Subsidiaries
      and of the Borrower and all of its domestic  Subsidiaries  including,  but
      not limited to, an unaudited  statement of profit and loss,  statements of
      income and  stockholders'  equity and cash flow from the  beginning of the
      current  fiscal year to the end of such month and the balance  sheet as at
      the end of such  month,  all on a  consolidated  and  consolidating  basis
      reflecting  results of operations from the beginning of the fiscal year to
      the end of such month and for such month,  prepared on a basis  consistent
      with prior practices and fairly present,  in all material  respects,  such
      financial condition, subject to normal year end and audit adjustments. The
      reports shall be accompanied by a certificate on behalf of each Obligor by
      the Chief Financial Officer of such Obligor, which shall state that, based
      on an examination  sufficient to permit it to make an informed  statement,
      no  Default  or Event of  Default  exists,  or,  if such is not the  case,
      specifying such Default or Event of Default, its nature, when it occurred,
      whether  it is  continuing  and the steps  being  taken by  Obligors  with
      respect to such event and, such  certificate  shall have appended  thereto
      calculations which set forth Obligors' compliance with the requirements or
      restrictions  imposed by Sections 6.6,  6.12,  6.13, 7.6 and 7.11 hereof..
      Furnish  Agent  within  twenty  (20) days  after  the end of each  month a
      Borrowing Base Certificate for the Borrower and its domestic Subsidiaries,
      on a  consolidated  basis,  and for  each  domestic  Obligor,  in form and
      reasonably satisfactory to the Agent.


                                       3
<PAGE>

                                                                  Exhibit 10.1.2
                                                                  EXECUTION COPY

3)    EURODOLLAR  LOAN  AVAILABILITY.  Notwithstanding  any  other  term  and/or
      provision  of the Loan  Agreement or the Other  Documents,  as of the date
      hereof, Eurodollar Loans are no longer available to the Borrower.

4)    WAIVER OF BREACH OF  COVENANT.  The  Borrower  acknowledges  that it is in
      breach of the following  financial  covenants under the Loan Agreement for
      the periods ended June 30, 2002 and  September 30, 2002:  (i) the Domestic
      Net Worth covenant  contained in Section 6.5 of the Loan  Agreement,  (ii)
      the Interest Coverage Ratio contained in Section 6.6 of the Loan Agreement
      and (iii) the Fixed Charge Coverage Ratio contained in Section 6.10 of the
      Loan  Agreement.  The Lenders hereby waive the  Borrower's  breaches under
      such covenants solely for such periods. Except as heretofore waived by the
      Lenders in  writing,  the  Lenders  reserve  their  rights  under the Loan
      Agreement and the Other  Documents for breaches  under such  covenants for
      any other periods.

5)    ACKNOWLEDGMENTS. Borrower acknowledges and represents that:

      (A) the Loan Agreement and Other Documents, as amended hereby, are in full
force and effect  without any defense,  claim,  counterclaim,  right or claim of
set-off;

      (B) to the best of its  knowledge,  no  default by the Agent or Lenders in
the  performance of their duties under the Loan Agreement or the Other Documents
has occurred;

      (C) all  representations  and warranties of the Borrower  contained herein
and in the Other  Documents are true and correct in all material  respects as of
this date, except for any representation or warranty that specifically refers to
an earlier  date and except to the extent  that the Agent and the  Lenders  have
been notified by the Borrower that any representation or warranty is not correct
and the Required Lenders have explicitly waived in writing  compliance with such
representation  or  warranty  (which  waiver is hereby  granted)  and except for
changes not prohibited by the terms of the Loan Agreement;

      (D)  Borrower  has taken all  necessary  corporate  or  company  action to
authorize the execution and delivery of this Agreement; and

      (E) this Agreement is a modification of an existing  obligation and is not
a novation.

6)    PRECONDITIONS.  The Borrower shall deliver to the Agent the following: (a)
      an executed  Second  Amendment to Amended and Restated  Revolving  Credit,
      Capital Expenditure Line and Security  Agreement,  (b) an executed Amended
      and  Restated  Revolving  Credit  Note in  favor of PNC in the  amount  of
      $22,647,058.82, (c) an executed Amended and Restated Revolving Credit Note
      in favor of Bank of America, N.A. in the amount of $16,176,470.59,  (d) an
      executed  Amended and Restated  Revolving  Credit Note in favor of General
      Electric  Capital  Corporation  in the  amount of  $16,176,470.59,  (e) an
      executed  Amended and Restated  Capital  Expenditure Line Note in favor of
      PNC in the amount of  $2,388,235.30,  (f) an executed Amended and Restated
      Capital  Expenditure  Line Note in favor of Bank of  America,  N.A. in the
      amount of  $1,705,882.35,  (g) an executed  Amended and  Restated  Capital
      Expenditure Line Note in favor of General Electric Capital  Corporation in
      the  amount  of  $1,705,882.35,  (h) an  amendment  fee in the  amount  of
      $100,000 and (i) an executed  resolution of each Obligor  authorizing  the
      transaction  described  herein.  It is understood and agreed that Borrower
      shall pay all fees and costs  incurred  by Lenders in  entering  into this
      Agreement  and  the  other  documents  executed  in  connection  herewith,
      including but not limited to all reasonable  attorney fees and expenses of
      Lenders' counsel.

7)    POST  CONDITIONS.  The  Borrower  shall  promptly  engage an  appraiser or
      appraisers  satisfactory  to the Agent to prepare  an orderly  liquidation
      value appraisal with respect to all of Borrower's Inventory and an orderly
      liquidation  value  appraisal of the  Borrower's  domestic  Equipment (For
      purposes of this Section 7, the term  "Equipment"  shall  include only the
      Equipment of the Borrower). Such appraisal shall be delivered to the Agent
      no later than December 20, 2002.  Failure to deliver such appraisal to the
      Agent by said  date  shall be  deemed  an Event  of  Default.  Until  such
      appraisal is delivered to the Agent, the Minimum Undrawn  Availability set
      forth in Section 6.13 shall not be less than  $7,500,000,  notwithstanding
      any term or provision  to the contrary  contained  herein.  However,  upon
      delivery of such appraisal to the Agent, the Minimum Undrawn  Availability
      shall reduce to $5,000,000.  The


                                       4
<PAGE>

                                                                  Exhibit 10.1.2
                                                                  EXECUTION COPY

      Borrower shall  cooperate and provide such appraiser with such  assistance
      and information as reasonably requested to allow such appraiser to prepare
      such appraisals and to deliver the same to the Borrower, the Agent and the
      Lenders.

8)    MISCELLANEOUS.  This Agreement  shall be construed in accordance  with and
      governed by the laws of the State of New Jersey, without reference to that
      state's  conflicts  of  law  principles.  This  Agreement  and  the  Other
      Documents constitute the sole agreement of the parties with respect to the
      subject matter hereof and thereof and supersede all oral  negotiations and
      prior writings with respect to the subject  matter hereof and thereof.  No
      amendment  of  this  Agreement,  and no  waiver  of any one or more of the
      provisions  hereof  shall be  effective  unless set forth in  writing  and
      signed  by  the  parties  hereto.  The  illegality,   unenforceability  or
      inconsistency  of any  provision  of this  Agreement  shall not in any way
      affect  or impair  the  legality,  enforceability  or  consistency  of the
      remaining  provisions  of this  Agreement  or the  Other  Documents.  This
      Agreement and the Other Documents are intended to be consistent.  However,
      in the event of any  inconsistencies  among this  Agreement and either the
      Loan Agreement or any of the Other Documents, the terms of this Agreement,
      then the Loan Agreement,  shall control. This Agreement may be executed in
      any  number of  counterparts  and by the  different  parties  on  separate
      counterparts.  Each such counterpart shall be deemed an original,  but all
      such counterparts shall together constitute one and the same agreement.

9)    DEFINITIONS.  The terms used herein and not otherwise  defined or modified
      herein shall have the meanings ascribed to them in the Loan Agreement. The
      terms used herein and not otherwise  defined or modified herein or defined
      in the Loan  Agreement  shall have the  meanings  ascribed  to them by the
      Uniform Commercial Code as enacted in New Jersey.

IN WITNESS  WHEREOF,  the undersigned  have signed and sealed this Agreement the
day and year first above written.

BORROWER:

ATTEST:                                  PHILIPP BROTHERS CHEMICALS, INC.

BY: /s/ Joseph M. Katzenstein            By: /s/ William A. Mathison
    ------------------------------           ------------------------------
    Joseph M. Katzenstein, Secretary         William A. Mathison, Vice President
                                             One Parker Plaza
                                             Fort Lee, N.J. 07024

GUARANTORS:

ATTEST:                                  PHIBRO-TECH, INC.

BY: /s/ Joseph M. Katzenstein            By: /s/ William A. Mathison
    ------------------------------           ------------------------------
    Joseph M. Katzenstein, Secretary         William A Mathison, Vice President
                                             One Parker Plaza
                                             Fort Lee, N.J. 07024

ATTEST:                                  C P CHEMICALS, INC.

BY: /s/ Joseph M. Katzenstein            By: /s/ William A. Mathison
    ------------------------------           ------------------------------
    Joseph M. Katzenstein, Secretary         William A Mathison, Vice President
                                             One Parker Plaza
                                             Fort Lee, N.J. 07024


                                       5
<PAGE>

                                                                  Exhibit 10.1.2
                                                                  EXECUTION COPY

ATTEST:                                  THE PRINCE MANUFACTURING COMPANY (IL)
                                         (as an individual entity and as
                                         successor by merger to The Prince
                                         Manufacturing Company, a corporation
                                         organized under the laws of the State
                                         of Pennsylvania,)

BY: /s/ Joseph M. Katzenstein            By: /s/ William A. Mathison
    ------------------------------           ------------------------------
    Joseph M. Katzenstein, Secretary         William A Mathison, Vice President
                                             One Prince Plaza
                                             P.O. Box 1009
                                             Quincy, Il. 62306

ATTEST:                                  PRINCE AGRIPRODUCTS, INC.

BY: /s/ Joseph M. Katzenstein            By: /s/ William A. Mathison
    ------------------------------           ------------------------------
    Joseph M. Katzenstein, Secretary         William A Mathison, Vice President
                                             One Prince Plaza
                                             P.O. Box 1009
                                             Quincy, Il. 62306

ATTEST:                                  Mineral Resource Technologies, Inc.
                                         (successor by merger of Mineral
                                         Resource Technologies, L.L.C. which
                                         merged into MRT Management Corp.)

BY: /s/ Joseph M. Katzenstein            By: /s/ William A. Mathison
    ------------------------------           ------------------------------
    Joseph M. Katzenstein, Secretary         William A Mathison, Vice President
                                             120 Interstate North Parkway East
                                             Suite 440
                                             Atlanta, G.A. 30339

ATTEST:                                  PHIBRO-CHEM, INC.

BY: /s/ Joseph M. Katzenstein            By: /s/ William A. Mathison
    ------------------------------           ------------------------------
    Joseph M. Katzenstein, Secretary         William A Mathison, Vice President
                                             One Parker Plaza
                                             Fort Lee, N.J. 07024

ATTEST:                                  PHIBROCHEMICALS, INC.

BY: /s/ Joseph M. Katzenstein            By: /s/ William A. Mathison
    ------------------------------           ------------------------------
    Joseph M. Katzenstein, Secretary         William A Mathison, Vice President
                                             One Parker Plaza
                                             Fort Lee, N.J. 07024


                                       6
<PAGE>

                                                                  Exhibit 10.1.2
                                                                  EXECUTION COPY

ATTEST:                                  WESTERN MAGNESIUM CORP.

BY: /s/ Joseph M. Katzenstein            By: /s/ William A. Mathison
    ------------------------------           ------------------------------
    Joseph M. Katzenstein, Secretary         William A Mathison, Vice President
                                             One Parker Plaza
                                             Fort Lee, N.J. 07024

ATTEST:                                  PHIBRO ANIMAL HEALTH HOLDINGS, INC.

BY: /s/ Joseph M. Katzenstein            By: /s/ Jack C. Bendheim
    ------------------------------           ------------------------------
    Joseph M. Katzenstein, Secretary         Jack C. Bendheim, Chief Executive
                                               Officer
                                             One Parker Plaza
                                             Fort Lee, N.J. 07024

ATTEST:                                  PHIBRO ANIMAL HEALTH  U.S., INC.

BY: /s/ Joseph M. Katzenstein            By: /s/ Jack C. Bendheim
    ------------------------------           ------------------------------
    Joseph M. Katzenstein, Secretary         Jack C. Bendheim, Chief Executive
                                               Officer
                                             One Parker Plaza
                                             Fort Lee, N.J. 07024

SIGNATURE PAGES OF LENDERS TO FOLLOW


                                       7
<PAGE>

                                                                  Exhibit 10.1.2
                                                                  EXECUTION COPY

LENDERS:

ATTEST:                        PNC BANK, NATIONAL ASSOCIATION, as Lender and as
                               Agent

                               By: /s/ Michelle Stanley-Nurse
                                   ---------------------------------------
                                   Name:    Michelle Stanley-Nurse
                                   Title:   Vice President
                                   Address: 70 East 55th Street, 14th Floor
                                            New York, New York  10022
                               Commitment Percentage:  41.1764705882%

                               BANK OF AMERICA, N. A., as Lender

                               By: /s/ Edmundo E. Kahn
                                   ---------------------------------------
                                   Name:    Edmundo E. Kahn
                                   Title:   Vice President
                                   Address: 335 Madison Avenue
                                            6th Floor
                                            New York, New York 10017
                               Commitment Percentage:  29.4117647059%

                               GENERAL ELECTRIC CAPITAL CORPORATION, as Lender

                               By: /s/
                                   ---------------------------------------
                                   Name:
                                   Title:
                                   Address:

                               Commitment Percentage:  29.4117647059%


                                       8