I know we have had an ongoing discussion about doing loans out of state.  I know many of you do them and do them very well.  I happen to disagree and we left it at that.  You do your thing and I'll do mine  BUT, I was watching TV out of the corner of my eye and reading David Halbertstam's book "The Coldest Winter"  ( Excellent  history of the Korean War and for those interested I highly recommend it), when I saw this ad.  I am not even sure who it is for but I believe it is either a Charles Schwab or Edward Jones ad or at least some financial advisor.

Ad shows picture of Dr in scrubs leaning up against a wall talking on cell and you can here him say "Make a 3 inch vertical incision between the 3rd and 5^th ventricle then................. Fade to picture of guy sitting at kitchen table with butter knife in hand and looking almost sick.  He says "Shouldn't we be doing something this important face to face?"

If I were able to drink coffee I would have spewed it all over my bed as I laughed so hard.  I do think this is the kind of decision that needs to be done face to face but will leave it at that.  You guys continue to do it your way and I will continue to do it mine.

On a new subject, My Dr says that I have healed enough now that she can put in my artificial throat in preparation for my being able to eat and speak again.  On Wed next week she will do this operation and I will have about 2 weeks recuperation and she will send me home for 6 weeks before she can put in the artificial voice box.  It does appear that there finally is light at the end of this year long tunnel.  It all began with a CAT scan on Oct 13^th last year.  Thanks in advance for your many kind words, thoughts and prayers.

Good Luck, Good Lending and Aloha.