Yes you do work hard and I appreciate all you have done to make this happen . I am fortunate that time is on my side , it has made waiting less stressful. It gives me a sense of relief and peace of mind knowing the line of credit and second mortgage will be gone. I am also grateful that you could meet me at the outlet mall and save a trip into the city. You deserve your title Mortgage Superstar! Thank you, Susan K., Alliston