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Even as we previously reported, our fourth quarter had about 30 basis points of impact, negative impact from October's spike in LIBOR. So to come, we have to actually achieve additional lift in margin as LIBOR has since calmed down. Our Master Trust bond for your first two months on this first quarter of 2008 have reset at 76 basis points as opposed to the 283 basis points they reset at in the fourth quarter of recently.
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