In the report below, first of all notice that more than half of the CD portfolio is relatively short-term and relatively inexpensive. About 53.5% of the CDs is 5% to 5.5% money that will mature between March and October, 1997. Also note that another $5 million in 5.25% to 5.75% money will mature by the start of 1998:2. Since interest rates are very stable, this is probably not going to present a major issue -- but this could very well represent critical, accessible management information in a different business environment.