Well after nearly 2 years of a very nice effective rate of 2.6% with worldpay they have jacked the rates up to 3.6% effective rate. So as I head out into the wilderness to begin finding a competitive rate I needed to check in with you fine folks to see where things are at with everybody right now? Maybe 2.6 isnt plausibe anymore but I def need to be armed with information. Thanks a bunch.