It was not a core business for us. We have planned on a runoff, and we are redeploying the cash off that business in core loans in our core banking area. We had to weigh it against the enormous opportunities in the NYC market area. TheStreet: Can strong corporate earnings be enough to offset fears about U.S. fiscal policy and the rush into gold? Millman: I would say that from our perspective, our clients are not fearful at all. They are entrepreneurial business owners. People with the courage to start businesses are optimists by nature. Our clients are quite optimistic about their future, the future of the economy and see lot of opportunities.