William........thanks for the link to the video! We had covered this subject quite awhile back, but I didn't know there was a video like this. Wonderful! May as well include the link to one of the many sites on this subject. http://npcanteen.net/ ____________________________________________________________ Mortgage Rates Hit 2.99% If you owe under $729k you probably qualify for Gov't Refi Programs http://thirdpartyoffers.juno.com/TGL3141/4da355dd2d5b773a79st01duc