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A great vFlyer Jason. I like the qualifying questions up front. Gets people to think if what you offer fits their life situation. Many people are still in ARM products who need to get out of them. I was so ignorant a few years ago when they asked me when I switched from an ARM to a 30 yr fixed did I want to do a Cash Out Refinance? I didn't even know what that was. Everyone was doing them adding a little extra cash into the deal. I have been so averse to debt in my life I said no thank you. It has kept me very strong financially with my assets. I even pay down my 30 yr note on a 24 yr slope. The financial lenders think I'm weird but I have a good calculator and am as good with the numbers as they are.