I can redo your M0RETGAGE at a 5% or better r8te. Last 3 I've given below: L. Sykes / Pine Hills, Florida / 1.5 million at 4.1% Y. Lawrence / Omakerk, Nebraska / 200 thousand at 4.4% F. Grove / Houston, Texas / 555 thousand at 3.9% http://ar.geocities.com/kfuherb_rzb/