http://www.mortgageorb.com/e107_plugins/content/content.php?content.8379
For certain people who will remain nameless:
So true!!! Please stop asking for my opinion- you don't want it, you do the exact opposite of what I suggest.
Do not give me suggestions and comment forms to fill out, I am not going to do it. If you don't listen when you've cornered me and made me give you my opinion face to face- why would I every bother to write it down and wasting my time?