Better than that Howela, I'll cook it myself!!!!!!!
Marshall, I hope that you don't expect me to believe you are in the mortgage business because you are worried about the lives of the 80% of the population you refer to? I think your checkbook balance is your primary motivation and maybe somewhere down the list of motivating factors is the welfare of the population.
P.S. I have some oceanfront property over here in East Texas if you'd like to help me with that!!!