>>Sometimes expensive but skilled programmers with higher productivity become cheaper.
>>
>>I'm a market guy - would someone please tell my mortgage banker:-)
>
>Where is your mortgage banker?
>We made ASP.Net, VB.Net and VFP web applications for e-mortgage evaluation and processing in CA and NY. If your banker is one of them I will ask him to be patient with you

I refy'd in the spring - I get a hundred emails a day with refy offers - they probably farmed my address from the e-mortgage app you wrote:-)