I have to say that the number you need depends on how you plan to operate you BHPH business. Underwriting is the key. If you are going to sign up everybody that fogs a mirror then you will need a collector for about every 150 accounts. If you are going to be a little more conservative in your deal buying then you can get go to 1 per 250. Our underwriting is fairly strict. We have a look to book close to 20% and I have 1 collector with 680 accounts.