The delay factor poses another set of issues, however, that may not be so easily resolved. The Vision 2020 plan comes with a $100 million-plus price tag. Had the plan proceeded according to Upper Chesapeake’s original timetable, borrowing for the project would likely have either already taken place, or at least have been scheduled. Interest rates are rising and are likely to continue increasing, which makes Vision 2020 more costly, notwithstanding the cost of buying an Aberdeen site. Moreover, health care needs, as well as federal and state regulations, continue to change, as does both the size and demographics of the market Upper Chesapeake services.