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Well thats a good point Rolf. Maybe I should think about not going in today, The only real reason I want it freed up is in case of an emergency, which I can't see happening at all, let alone the next few years, unless rates REALLY get out of hand that is. I guess I just want to be safe...

I will be applying for two LOC's this afternoon. One will be small (20kish) for personal use if needed while rates are low and I have money in the bank, therefore I believe the lender will look favourably upon me as a good risk candidate, because we all know banks rarely lend when we 'need' the...