To avoid having to deal with the dreaded no-name, do-nothing out-of-town lender who has "preapproved" your buyer prospect:"Tell me, whom do you know who has actually had a good closing experience with this lender? You do want to have a good experience, don't you!!"And to have a good experience with all your Montgomery, Alabama referrals, just send 'em to the Hat Team. Thanks--we appreciate you! 04/04/2007