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

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.

It is very sad.

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