Well, no. When we purchase the mortgages through this insured mortgage purchase program in the form of NHA mortgage-backed securities, we hold auction processes. So these financial institutions are telling us at what rates they are willing to sell us these MBSs, and hence, for the government, we purchase the MBSs that offer the highest yield and work our way down until the entire auction has been sold.
The government itself, though, sets a minimum rate at which it is willing to buy these NHA MBSs, and this rate is at a--