It is very sad.

We thought about an ARM, but the rates are so close we opted for the security of a 30-year fixed.

At every turn we were losing something. We started scrambling to figure out what else we could do, and we found out that this special-needs shelter was set up.

We continued to enhance the disclosure as we worked with the SEC.

Good morning! ... What grade are you in?

We've got them from Michigan and Missouri already. Some of them arrived last Sunday.