e near what they are for Agency paper...we are talking a very different 2013 for NLY, i do not know what the rest of the all AGencies are going to do, but we know exactly what NLY is going to do...10% of their shareholder stock is going to be bought back, (and at these prices they probably should do 10% more on that)and 25% of their portfolio will be commercial paper....2013 will be very interestin