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so how do you know if the swap or the cap is the right hedging structure for you if you want a known fixed rate or you think your asset is going to be outstanding for some time and you want tight interest rate protection the swap may be the best structure however if you think rates may be low for some time and you want disaster protection and you want flexibility in case of a breakage then the interest rate cap may be the right structure but just remember with the cap you will be required to pay an upfront cash premium [Applause]