Thanks, az. My oldest D17 is in school in Utah. she was an out of control teen...way out of control. My W. and her would physically fight. It was awful for the whole family. Anyway, this school is about 8K a month...no kidding, but she's my little girl, and is super troubled, although much better now. I inquired about saving 1K a month here becuase it's a 10% interets rate for this paln in Iraq. she said it was tight at home because of D's school, which it is to a certain degree, but the whole re-doing of the basement has me thinking..how tight can it be?