[hey,littlecobra]

Mike, yes, it is better to establish some credit. Having the money in the bank is important to getting a loan. It's silly how that works, but the bank won't lend money to people that don't have any money. What I mean is, Credit worthy is partly determined by how well you save the money you have. If you are a 'safe risk'. If you borrow $20K, how will you prove to them you'll pay it back? Why should they loan money to people if they can't get it back? anyway, gotta go. keep working on those tools. Sounds like a lot of tools, and a lot of money.