Jeff you are sounding so good and so strong. That is outstanding. The refi. sounds like a good option for you....

Enjoy the warmth. I am excited b/c it will finally be above freezing tomorrow, all the way to 35 F! ;\)

Me-35

Together: 18 yrs
M-12.5 yrs
S-8
D-4
D'd: Feb. 2010

The LORD your God is with you,
he is mighty to save. --Zeph. 3:17