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we were starting the process of unravelling and simplifying our loans last week - when my broker called the bank to ask about a rate reduction in the process. well, turns out the bank has us with a rather large loan secured against a property we sold 4 years ago (i thought it was secured...

i felt so proud of you, i got a lump in my throat and tears in my eyes. fantastic journey daz and we have loved being on the ride with you (even if we did snap words at each other when i first joined). in the same thread you have both inspired and scared the bejesus out of me ... great...