I have to tell you guys, the education that i have gotten in the past month or so has been invaluable. I am due to sign a contract on a home on long island priced at 217k Right now got a rate of 5.5, but more importantly, I now know why. The MBS primer, your graphs and explanations of them, the daily blogs has turned the Greek into almost English for me. I want to thank you for all of this and say, even my banker has commented on my "knowledge" of the subject. Rest assured, you have been given full credit! tommy