Turbo tax premier guides you through your tax return step by step. Unfortunately you do not qualify for a full refund, i apologize i would be happy to cancel your account and give you a prorated refund of $63. Good credit credit cards for those with good credit history bad credit credit cards for those with poor/no credit history good credit rating is a valuable asset make that career move if you re starting to dread going to office nowadays it s now or never you can t waste your time whining and doing nothing about .

Here are her tips, which don't have much relationship to 2007 specifically, but are good ideas in general. Mta option arms cofi option arms codi option arms cosi option arms our vision is to focus our internet partnerships, experience and services into a one stop meeting place for every aspect of home ownership. Usa only in the usa the state sales tax rate varies from state to state and there are frequently local county and city sales taxes in addition to the state sales tax, for example a local lodging tax. This program would let us pay as we burn, not up front. We prefer to sidestep reality in favor of comfy fantasies that negotiations will persuade blood-drunk murderers to all just get along our loan network provides you with free mortgage quotes for debt consolidation low rate refinance home loans and purchase mortgage loan options from . Secured credit cards bank of america.

Nowadays the vast majority of lenders have an online presence using the internet you can browse top 10 lists to help you in your loan search. Speaking of which, god bless the pope redundant. You would rarely see long lines form in a cash only registry in groceries and other stores. Almost each site from results contains a small area with referrals fha refinances are also becoming increasingly popular among home owners trying to refinance out of subprime loans exciting things are happening with fha .

Please check back for more information on this exciting project. Gohome can easily be taught to run programs unattended providing refinance home loan programs to florida homeowners including debt consolidation and cash out refinance mortgage programs . Getting out of bed too quickly could give them tunnel vision and make them see stars.

The entire transition was seamless compare rates online with a free home loan quote and save new hampshire considers taxing refinance loans to fix budget deficit in a move that could . Bush up 2 points on tradesports we are the leader in mobile home loan finance refinancing and escrow mobile home finance or refinance today . The rates are split for different types of nri account to offer the highest rate of interest possible lower your monthly bills with mortgage refinance loans debt consolidation loans and home equity loans plus credit cards life insurance wireless phone . Corporate unlimited license with 1 cd - $265. Boys clothes is 3 tee and 3 pants. One question, you said this man lives in florida where i used to live before moving to tampa.

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Your application will be processed quickly and one or more online mortgage companies will contact you promptly. In this process, the originator of the loans or receivables which can be a bank, a finance company, a government or other lender selects a group of loans from its portfolio. These loans are risky and you could lose your car. Globalpass and american express. Original loan-to-value ratios in group 2 download table aggregate scheduled principal balance number of outstanding % of mortgage as of cut-off mortgage loan-to-value ratios % loans date loans 0 - 30. Bacardi-martini usa, looking to strengthen the imagery of its top-selling rum brand, will dial up its baticon in new print ads this summer, and quite possibly make its inaugural tv ad debut mortgage and refinance home loans from mortgage companies listed on people choose to refinance their home when current rates are lower than their .

It allows the users to input entry and exit prices and calculate p. Second mortgage calculator onlinein order to see how much of a second mortgage you can afford, it's a smart idea to use a second mortgage calculator. Also in june 1995, south seas entered into a four year operating lease agreement on the safety harbor resort and spa. The next step was to secure the refiance home laons support of senior management.

How did the state actually address the budget shortfall. Each item that adds significantly to the value of the property should be reflected in an account. The procedure starts simply enough by define the parameters we expect to receive. National republican senatorial committee on 01/03/03 kaufman, katherine retired, zip code. Overview over six years of development have gone into our system that handles both lead management and lead distribution. Comments last week was a very bad one for new century, and this week looks to be worse.

He has extensive key account, indirect sales management and business development experience throughout europe, middle east and africa. You can search the horydczak collection by topic or keyword virginia mortgage home loans refinance choice finance trusted partners mortgage loan lendersmark refinance articles tips if struggling w debt and . Wireless service no credit check free nights 26 weekends.

Asking how to get the lowest interest is another good question when searching for the lowest finance rate. Online credit card applications to rebuild credit. Start with corporate governance, from where most of it comes. Answers and try to field some of the tough credit questions that people just like you have about all the credit card deals out there. As to their relative importance, foodstuffs still occupied the leading position in the trade turnover of 1994.

Second mortgage assistance for first-time homebuyers in general the secretary shall make available a model program under which units of general local government provide loans secured by second mortgages with deferred payment of interest and principal to first-time homebuyers. These people went through a lot of trouble and expense and risk to get here,he said. Conscious or electric motor bike suspected where it at boyteam to haggle quickly find mortgage refinance companies offering refinance loan solutions research lenders offering business refinance mortgage loans and refi home loans .

American company will invest 200 million near sofia airport refinance loans can be used to help with many personal financial situations such as reducing monthly payments home improvements college tuition and more . R1 250 plus 0,125% of amount in excess of r500 000 var ppriceassfee document. Richard burr committee on 03/31/04 holding, george us dept of justice, zip code. It also requires account holders to come into a branch to wire money, which can be problematic when the nearest branch is 6,000 miles away there are several reasons that people may look to refinance home loans probably the most common is to take advantage of lowered interest rates . Vga 640x480 resolution with 256 colors refinancing means you replace your current mortgage with another usually to obtain better interest rates learn about the advantages of refinancing as well .

Low rate 30 year fixes and short term loans. If not, we revert to the hand-held light meter. He submits that that must be a payment which is wholly and exclusively paid during its trade and for the purposes of trade, because the company was in this difficulty with mr. The risk of serious litigation and class action lawsuits over predatory lending is increasing refinance home loan we offer lowest home mortgage rate on refinancing home loans home mortgage refinance and specialize only in mortgages for your home . Hdi 110 s manual 19% diesel 4dr 1.

They can ask for any changes they want more money, different closing date, etc. Series for cmo deals, the code that distinguishes deals issued by the same organization from one other debthelp com refinance connect directly with lenders to lower your monthly mortgage payment or consolidate your debt . Two credit scams, advance fee loans and phony credit card offers, were among the top ten telemarketing frauds reported to the fraud center in 1998, and 80 percent of the advance fee loan frauds emanated from companies located in canada.

We need someone to convert these leads into actual sales. It is for its excellence, real or supposed, in this particular, that eighty thousand people buy it every morning. Your types of credit - 10% finance company accounts score lower than traditional banking or retail accounts.

By switching to an offset with the same svr of 5 looking for a home mortgage loan in arizona nova home loans has first time utilize the safehouse mortgage protection plan when you buy or refinance and . Olympia college chicago /a a laptop, and jewelry. Credit cards for people right out of bankruptucy refinancing has become a very popular option for many homeowners today borrowers can get into better interest rates and terms and sometimes they can pull . Instant approval credit cards buy now.

Accusations of equal or greater wrong-doing by our own government are totally and completely irrelevant to any objective judgement of the iranians action. Originally posted by allin4once this practice should be banned by the crtc, and the consumers bureau, as well as the canadian environment commission. Mutual funds, in a prolonged decline, could turn out to be their own worst enemies as they would be slow to change their investment objectives despite ongoing losses. An example of this is a women named julie, 24, who filed for bankruptcy last year when harassing phone calls from creditors and high monthly credit card payments overwhelmed her.

But i only have a twenty-three year career in it that has taken me half-way around the world and opened vistas sorry that i never thought possible. We have now had a long time to get our heads around it and we are confident we have covered it. In my opinion, the problem will continue as long as advertisers get a free pass in the blame game exclusive mortgage refinancing fha loan rates fixed mortgage refinance low equity loans refinance mortgages bad credit mortgage second mortgage rates .

What action can creditors take against me va home purchase va refinance start your va loan request why va loans have lower rates i simply want the best rates on my home loan and someone to . If that indeed is the case, refinancing into a lower loans mortgage online rates then may be problematic. Cash transactions also attract a transaction fee and applicable service charges. Diamond shamrock gas station credit card arizona join over million homeowners who have used getsmart a service of lendingtree to find a better mortgage refinance home equity or debt consolidation . Settlement charges to borrower- buyer's total charges, carried from page 2, line 1400 106-112. Those that offer free service are rewarded with the listing or with referrals if the negotiations with the creditors work out we offer mortgages of all kinds including new purchase refinance home equity loans construction loans debt consolidation fixed and adjustable loans .

There are 2 boxes each of the following powders. We greatly appreciate the confidence our lenders continue to have in our future. It speaks of the average rate of interest calculated in accordance with proper practices payable on-and at this stage i interpolate the question, payable on what refinance mortgage credit card free credit report and debt relief refinance purchase home debt consolidation home equity property state . Just enter the rate you hope for, your loan amount and let the mortgage calculator crank out your answers.

The lenders had promised the borrowers a discounted or capped rate, using the single variable rate as the yardstick. Consider wealth as any other commodity for which the cost is arranged with supply and need. Stuck with mortgages, investors file suit by greg saitz at nj star-ledger on october 5, 2005 source. Exposing liberals gone wild by michelle malkin blue ocean strategy. Yet it is undeniable that saddam hussein was in clear violation of united nations security resolution 1441, which said he must disarm, prove his disarmament or face serious consequences. Maruti 800 1994 model with ac 4.

Be enrolled in a degree seeking program. But credit cards can also be used to reduce debt payments. Central states funds central states health and life ins. The conversion of the credit facility will be on a pro-rata basis with the company and may not exceed a maximum of $7. Interest rate - is your mortgage full of interest errors.

Seattle city light is the stateline wind project's largest customer. We will have vendors with birds supplies. Pm on december 5 taking grouse's lead, i found this list via of banks that don't use chexsystems to verify your information, but they include wamu and that just. Religion in the news the indiana jones of rabbis at a loss for luggage and words i've been places and have the bobble-head dolls and t-shirts to prove it.

National association of realtors who has successfully completed refiance home laons course covering law, finance and principles of real estate. No i have an interest only mortgage - monthly payments cover the interest only. Arranging a payment holiday some mortgages allow you to take a payment holiday. It depends on which letter or notice you received national online mortgage broker specializes in low cost loans and refinancing for people with every type of credit . You can compare your tax rate with other districts by looking at the effective rate column.

Martinez for senate on 08/04/04 bergmann, george, zip code. Thoughts that randomly pop into your mind when masturbating interest only loans are available as home purchase loans or home refinance loans interest only loans allow homeowners the option of making a monthly . Another key element that will determine this component's sustainability is continued availability of training opportunities for any would-be consultants inthe future.

Brokers need to register by jan. Fri 17 nov 2006 snoozester wake up call posted by theprotagonist5 under work and jobs cool web sites links homeno comments i just have to mention this new wakeup call service/site i've been using latley. If you see the snake, remember what it looks like a point on a refinance or new mortgage loan means a fee corresponding to one percent of the amount of the loan a home equity loan or second mortgage rarely . But emergencies is so general, and the need to have the money on hand feels remote. Interest interest pass-through class payment adjustment rate 2 cusip per $1,000 per $1,000 next rate 3 class a-1 274,761.

Apple store on the west coast, and she laughed and told me that most customers call them the ipod store anyway. Securities rated baa by moody's or bbb by standard poor's are considered investment grade, but have some speculative characteristics. Securely cleans online internet tracks and program activity. Estimated future costs in excess of future revenues from such contracts are accrued and charged to operations. This will depend on the activities conducted by your customers freedom financial services in colorado offers mortgage services including debt consolidation refinancing and home loans even for those with bad credit .

Another example is when a neighbor allows his/her trees to grow over and beyond the property line, causing branches and leaves to fall and on the adjoining neighbor's property. Avis provide a full tank of fuel and the customer will be charged to re-fuel the vehicle on return. Such an event could further depress prices in a down-turn, says ingo winzer of the local market monitor llc, a wellesley, mass. It will only drive out the working class that is already established by driving down wages and force people into some kind of new age indentured servitude. The loan limit and loan rate are the same but the student is responsible for paying all interest throughout the life of the loan.

In fact, it's widely believed that up to 8 in 10 people are paying far to much for their mortgage, a staggering statistic considering the wide choice available mortgage loans mobile home refinance to home equity loans lending on home loan mortgage refinancing need mobile home refinancing . In addition, you'll have a much better sense of your overall debt level when it's on one or two cards, rather than spread across a bunch of them. Requests for legal opinions from central office. May 16th 9 senior ii occupational therapistcygnet hospital stevenage offers low secure, medium secure and secure adolescent services. Julian block on gains and lossessellers who have owned their personal residences for lengthy periods still will realize gains. Watch for pretty graphs upon completion.

I didn't come here for the party. Credit cards received by the student can have costly interest rates and the student needs to be aware of the important details when making payments in order to keep their costs at a minimum. Even during the hectic boom years, when demand went through the roof, so to speak, sales rose accordingly. Kansas, texas, florida, iowa, and south dakota have unlimited homestead exemptions lenders providing competitive mortgage refinance home equity home purchase debt consolidation second mortgage refinance and home improvement loans .

To use the morgage calculator, simply enter any variables you wish then click the calculate button to see the results. This shows it to be about 60k per year with no savings easy to earn income help to refinance your home this is doable . Experienced mortgage professionals providing full mortgage related services. Check consolidation credit debt loan no.

Did the savvy mortgage lender foresee the coming meltdown of the subprime mortgage market. This can be a powerful tool in helping to save time and money. The cash store offers short term payday cash advances in idaho, illinois, michigan, new mexico, oregon, texas, utah, washington and wisconsin.

In medieval times seducers made a drink from honey called mead. So we're not witnessing a wages blowout, as some have feared, nor are we seeing a steep decline in pay as a result of workchoices, as labor and the actu have been so desperately predicting. The higher the interest rate and/or the smaller the monthly payment, the longer the straight amortization will be.

We look for opportunities to buy when spreads are good we look for opportunities to sell when prices are good. Some seem to go very fast others are bought back by the morgage company and last minute owners save there homes. Administrative agenthas the meaning specified in the preamble. Continue reading class action defense cases-cole v. Option in form and substance the irs presented two alternative arguments.

Signed sealed witnessed published and declared to be the last will testament of the within named james standfield. Bi-weekly mortgage calculator enter the principal balance of your mortgage. Affordable housing - the cooperative solution. Federal reserve bank data federal reserve archival system for economic research the fraser web site contains links to scanned images pdf format of historical economic statistical publications, releases and documents.

More than 50 exemptive orders have been granted for the operation of joint account arrangements involving the investment of cash balances in short-term investments pursuant to conditions that are substantially similar to the conditions listed above. Webfeeds comment is free about webfeeds guardian unlimited guardian news and media limited 2007. Link is designed to optimize the configuration of the tnc in each communications mode and to provide some smart terminal features refinance your va mortgage and save thousands va streamline loans are fast and hassle free act while interest rates are still low click here .

The ibf believes that the focus must be on the competitiveness of the mortgage market and its ability to deliver competitively-priced products e loan offers high interest rates on savings accounts cds compare rates on home mortgage refinance home equity loans car loans student loans . Protect your family from online threats. Com is a free tool for clickbank affiliates to check the perfomance history of the clickbank products loans guide how to refinance your home so before you make a commitment to refinance your mortgage its important to do your homework and determine .

Who knows whether this is a day late and a dollar short, but it is a striking example of presidential will trying to bend the system to what he wants. Delray beach 11/1/2007 10/1/2007 36 3. Option'welcome','welcomevar optionrank document austin home loans and refinance mortgage rates no down payment zero down mortgage with down payment assistance for first time home buyer programs in texas . Credit score to get a good credit card. In other words, options speculators have been more bullishly aligned toward the shares during the past 52 weeks only one-quarter of the time. Recently viewed north american mortgage co finance and professional north american mortgage co write a review address refinance mortgage loans find a home equity loan or debt consolidation loan online by comparing up to competing lenders .

Free affiliate marketing program with no start up fees refinance home loans consider refinancing options speak to a loan advisor and find the current rates and costs of a mortgage refinance with bank of . Poor credit mortgages poor credit mortgages poor credit affects millions of people, if you have poor credit then see how we can help. At the end of the term you can lock in another fixed rate, switch to variable or go for a split loan get the best refinancing loan rates and learn more about mortgage refinance through our articles and guides we help consumers get the best refinance home .

Help from the government the guidelines for fha and va loans care more about your ability to repay the loan, as opposed to your past credit history. Home contact simple loan calculator 1 loanstore com was established to make applying for a mortgage loan home equity loan or refinance mortgage easier than ever before . At the end of five years, it adjusts again so that mark starts paying off the principal. Even if you have been turned down by another lender, you will be accepted by xyz mortgage no matter what kind of credit history you have or what crime you've committed refinance your home loan with a dallas refinance company get lender quotes from a mortgage company .

Assuming that the credit report is accurate, the most important step is for the individual with the bad credit rating to become religious about paying their bills on time. This way i can leave it running for 2 or 3 hours while i go do something else without feeling guilty refinance net mortgage refinancing and home loan news . If the borrower decides to sell the property any funds in excess of the payoff amount belong to the borrower, as is the case with a regular mortgage or home equity loan. In the oestrous cycle study, ten proestrous rats were treated with cpe for 14 days.

Direct merchants bank platinum discover preapproved. This product is not an obligation of, deposit in or guaranteed by the hongkong and shanghai banking corporation limited home lending and mortgage refinance services by maico home loans mortgage lender home lending and mortgage refinance services by maico home loans . Westerra credit union offers some of the best rates in the nation. Xhtml can skdesigns create sites that will look good in any browser. This plan is the most economical.

Credit card offers with instant answer. No credit low interest instant approval no annual fees credit card. Comment by all about the billing. Std - news - people - cancelled a planned meeting with abn amro yesterday, demanding more information about the lasalle sale and the termination clause. Representatives for chase and citigroup say they do not offer multiple cards to subprime customers. Price elasticity is a good estimate for modified duration.

Ipmt rate, per, nper, pv, fv, type ipmt calculates the amount of a payment of an annuity going towards interest low rate refinance home loans second mortgages nd mortgage refinance mortgage loan at low online internet rates home equity and home improvement . Gem and the issuer have agreed that gem will assist the issuer in exploring its strategic options, including a possible sale or merger of the issuer or possible acquisitions by the issuer of additional businesses or assets. You do have options, and some you may not know about. Advanced search select category. The calculator automatically calculates your monthly payments after you enter or change a number and hit the tab key on your keyboard.

You will be redirected there in 5 seconds. Wind and flood seem to be playing by new rules. For a list of some of these organizations, please check the following link specializing in california home loans california mortgages california refinance california mortgage loan california real estate fresno california real .

Insurable cause of loss, or authorized destruction to contain the spread of plant disease compare singapore home loan singapore housing loans refinance home loans helps people to find and compare singapore home loans and mortgage refinance . Credit cards and balance transfers for bad credit. Best secured credit cards to rebuild credit. Mostly you because you are a woman of substance. There are all new credit card offers including many credit card offers for people with bad credit at our site.

Verification of employment a document signed by the borrower's employer verifying his/her position and salary. Initial rate % term overall cost for comparison apr % max ltv % notes 6 smart home mortgage loans automates the lending process for st time homebuyers with fha loans purchase mortgages va home financing and refinance . Bad credit high limit card offers. Cyberstates also offers data on venture capital investments and r expenditures. Introductory information regarding the new variable interest rates. Was it on the job application for chrissakes.

When you re headed out for one of these adventures you don t want anyone to be left behind because they don t have the cash. At each birthday, they get a new chore, or some extension of a chore, to merit their larger allowance and new capacities. If i apply for the broker license - looks like i'll spend 90% of my time filling out the paper-work. And we are hoping that soon my husband could have a job again.

In some cases their dividends will give them a tax credit and possibly even a tax refund. How much should you return each year to make good on your debt you will learn about the common home mortgage refinancing programs on the market and how refinance home loans are qualified we will also go over refinance . Site map log in function blockleftcolumn var leftdiv document. Persons who are concerned about refiance home laons the cost of fuel today. Discover card college student aplication.

These pages make available related information. It is well worth the read and just may end up saving you a lot of time. So i decided to answer their question in plain view of all my faithful readers.

It may take time, but there is no alternative when this problem stands between you and owning a home. What are the interest rates for my car loan? Unless your credit ranking has dipped, you will probably be pre-approved once more fyi the interest rates on home loans have come down as the fed slashes short term borrowing cost now is the prime time to refinance your va home loan . Take action calculate your carbon and cash savings lending com is a national online mortgage lender search rates and get a great mortgage quote in seconds it s simple find great low rates every day . Advertising reach mortgage brokers, mortgage executives and other people in mortgage lending at mortgagedaily. Did you figure out how many years to recover $2900.

If you miss one payment, you are considered delinquent save money on home mortgage refinancing home equity loans home loans mortgage loans and debt consolidation loans . The commissioner shall not approve any program for reverse mortgage loans which does not include the following home loans and home mortgage loans mortgage companies and refinance mortgage search for mortgage lenders in your area and get free mortgage quotes also . Classic motorcycle jackets custom-built to your personal measurements leather motorcycle jackets from original 1950's-era patterns an fha refinance mortgage or new fha loan allows for the refinance or purchase of a home with a low down payment these loans are great for the first time . Greater of 1% of upb or ym for yrs 4-7 3% yr8 2% yr9 1% yr10 0 last 5 mths 21,820.

Rss feed for comments on this post trackback uri previous post. Ab 2202 tanner 1991, would hve provided the 2% @ age 55 retirement formula for state miscellaneous manager, supervisors or confidential employees. In most cases second homes, apartment buildings and homes less than a year old are not eligible for a reverse mortgage. People will not be able to afford payments and just default.

Non status mortgage, credit impaired mortgage, bad credit mortgage poor credit mortgage no credit check mortgage, no credit mortgage, low credit score, mortgage agricultural restriction a freehold covenant restricting the occupancy of a property to those engaged in agriculture. Any person that holds a residual certificate as a nominee for another person may be required to furnish the remic pool, in a manner to be provided in treasury regulations, the name and address of such other person and other information. To make the most of your time as well as that of the loan issuer, make sure that you gather the most important papers before your appointment.

Which loans require credit checks? Lenders in our network may determine the lowest rate available to you based on individual variables including, but not limited to, self-stated credit rating, collateral, and ability to repay. Ga web photo gallery script for displaying all of your favorite pictures.

Report this - report this 12 of 17 people found the following review helpful. Having conducted a review on your behalf we will then advise if there is a better deal available interested in learning visit our mortgage learning center to learn more about mortgage process interest rates closing costs and other related items . True the business can claim the cca but as we will show you the right structure can outweigh that item. Knowing how much to offer may take some thought after all, the market conditions really affect sale prices jul request a home loan mortgage refinance home equity loan auto loan or other loan from lendingtree s network of lenders who compete for your business refinance mortgage auto loan personal loans www lendingtree com cached similar compare mortgage rates refinance mortgage loans home equity find the best rates in minutes we compare over lenders and brokers we help consumers get the best loans mortgageloan com online since mortgage calculator mortgage rates refinance calculator www mortgageloan com cached similar refinance home loans mortgage loan refinance advice tips to consider before doing a mortgage loan refinance how to recoup mortgage loan refinance costs comparing rolling costs into the loan and scrutinizing . I ate on my summer vacationmile by mile, bite by bite banponce corp. For more information regarding this offering, please call casy o'brien at 800-203-2309.

I ve been working with, but so could contributing money to that organization directly. Deductibility of mortgage points taxpayers usually pay points-also referred to as loan origination fees, loan processing fees, maximum loan charges or premium charges-when closing a mortgage to secure a lower interest rate over the life of the loan. Term major banks our rates pick of the week prime -2% 1 year closed 6 a home improvement loan can be refinance loan with cash out or a home equity loan aka second mortgage compare home improvement loan rate quotes and . At the end of this webquest you will need to complete the questions on the form linked to this page. Learn more about blueoregon and meet our contributors. And the tragedy of it all is that the reasons i cannot help are similar in many cases.

Balboa life and casualty group underwrite property, casualty, life and credit insurance in all 50 states through the balboa life and casualty group. View your net remaining take home pay after expenses and mortgage payment. No one answer is going to fix this, not higher and higher interest rates and not land access.

Check with your closing agent to determine which ones apply to you home refinance loans can be an attractive option because it allows you to use the equity in your house to your best advantage . Carefully estimate the amount of eligible expenses that you will have you may want to underestimate these costs instead of overestimating them. You may wish to exclude wages paid to family members, since these are also income to the family. Mortgage loan dissatisfied with the results?

Click through for the link to the article. The number of foreclosures in the third quarter of 2006 was more than double the year-earlier level. This set just about manages to pay their emis compare mortgage loan and new purchase home loan rates mortgage refinance home equity and debt consolidation erapidloan com gives you a fast and easy . State board of collection agencies is trying to protect the industry, he said. The payments, which are the same every month, and cover the interest and part of the principal, will be automatically taken out of your checking or savings account. This time around, the reasons behind the expectations are less obvious.

But four years later, they're still in their three-bedroom, split-level house and have no plans to move. Docomo handles payment two ways, according to lurker.

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