Hello AR, what a great day it was here in Wisconsin.  I'm not sure how everyone else is, but here in Wisconsin things are getting a little tougher.  I have to say that I do see a lot of good things are coming out of that, it will get rid of a lot of people in this industry won't be in here.  I can't believe how many people either got into the mortgage industry or thought they could open their own shop that have gone under.  I believe those that are in here for the long haul and remember that we are here for the customers will survive.  Please give me any advice as to what others are seeing, also if you could please check out www.asapmtg.net and let me know what I can add or take off that may help out I would really appreciate it.  Thanks again AR.