We can look at an adjustable rate mortgage if they're going to be in a home a shorter length of time, whether it be three to five years, ... The advantage is you can get a lower interest rate.

I counsel anyone who asks me, they ought to get out of their adjustable-rate mortgage now if they're going to live in their house for more than three or four years,

The 30-year [fixed-rate mortgage] came in under 6 percent for the last 22 weeks of this year. As a matter of fact, mortgage rates in 2004 averaged around 5.84 percent, the second lowest annual rate ever recorded in the history of Freddie Mac's Primary Mortgage Market Survey.

Length is always going to get its due. Playing shorter clubs into these greens makes a huge difference, I can assure you. But, really, no matter how long or short the course plays, you have to deal with these greens. They have been the main defense of this course, and always will be. I hope they never change, because they are fascinatingly complex.

Seriously, I'd like to see them make it 20 yards shorter so more guys would try [to drive it]. My philosophy there is, if I feel like I can get too close to the green with a driver, I don't hit it.

But if he's able to consistently wait on the ball and see it a little longer and have a shorter stroke to the ball, the strikeouts can be cut down without losing his great power.