Prior to CMAC’s involvement, Rothman had done a very good job of securing favorable financing that was already better than the market. But CMAC was able to bring greater competitive pressure from banks outside of the Northeast, as well as from banks within the Philly market, that had provided low pricing in other CMAC markets. Rothman, working with CMAC, was able to cut its bank spreads by nearly 50% in locking long-term fixed rates.