[HI Cobra]

Ernie - that's my understanding of a "fixed" rate loan too, has been so far
anyway. Those with the varible interest rate loans are the ones wading in
deep kim chee now which will keep getting deeper in the future for now.
Scarey thought to enter into one of those with historically low interest rates
which can essentually only go up but a lot of people went for it. I'm still
getting a lot of spam to reinvest my 4 7/8% fixed for a 5 yr low interest
only, loan. I can just just see us 5 years down the road in a Jimmy Carter
type situation with 18% to 20% loan rates. Yikes. (Hope that doesn't happen again!). When this loan is pau I'm done with loans.