PDF Encryption

Reading through the 1.7 PDF Reference guide looking at the "Computing an encryption key" and I'm not sure how to translate step 7 to code.  It says: "Finish the hash".  Can anyone shed some light as to what this exactly means?

Also Here's some pseudo code for the steps.  Can you correct me if I'm off base?

MD5(TrimTo32Bytes("User Password string" + "[hard coded bytes]")) + MD5("Owner Password string") + MD5("Massaged Permission value: like 0010") + MD5("Document ID string")

Does Step 7 mean to MD5 hash the resulting value of steps 1-6? or just to concatenate them?

Thanks.