To protect all consumers, we will always underwrite transactions with conventional guidelines in mind. Our long-term qualification scenario may be based on a rate higher than the current market to mitigate risk. This scenario allows for ratio flexibility if rates adjust higher than when the loan initially closed. Legacy’s policy is to underwrite long-term takeouts at 1% over the current market par rate. For example, if the current market is 6%, the exit scenario will be underwritten to 7%.