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And keep up the industrial strength contraception - as the proud parent of 2.7 accidental small people, I can safely say they come when you least expect them :) We're building a brand new house to put our extra one in (9yo girl + 2yo girl + baby boy = not a good situation for sharing...

Good lord ... we're on not much over $40k with a baby on the way and we're looking to keep our total debt levels well below $200k :eek: I wouldn't be taking on any more debt now. You might find that LOC disappears faster than you think.