Due to the recent refinance craze, I am just too damn busy to keep up with this everyday. Plus, I was running out of fresh ideas. For a little while there, I was thinking of introducing a new character, like maybe "Cousin Oliver" could do a few guest editorials. Anyhow, I'll try to come up with some new crap ASAP. In the mean time, rates are low, and my phone is ringing off the hook. I've come to liken the sound of my phone to that of an old cash register. Cha-ching, cha-ching. Later. Meis