mr. harrington mentioned earlier, we are able to fit a great deal more than one might think into the household pocketbooks possibly because of paying off old debt, and that will help clear up some capacity for the sewer system. so if we have 3% inflation and a pathetically the commission were to develop capital plants that fit into a 3% inflation scenario, we would be following those annual rate increases uc there. after current rates are adopted, we would only be setting rates commensurate with 3%. that could achieve a lot, but not everything needed for the ssip. in order to do the sewer system improvement program, we would be looking at likely in borrowing rates because we have to fund it, between 4% and 5%. when we reviewed the water system with the commission, we have always used that long-term borrowing costs. we have been doing incredibly well. we just sold some water bonds on thursday. we got 3.1%. however, we are more conservative in this model. we know our record low borrowing level that we are getting now will not likely last forever. so we are doing a more realistic 5% borrowing rat