 But do it with people that you can trust. AndrewandTodd.com. Call them at 888-888-1172. I've known Andrew for 20 plus years. He and I were in a Bible study together. I've known Todd for half that time. They are wonderful Christian men. No matter who you are or where you are in the United States, they'll help you. If you can be helped, AndrewandTodd.com will help you. They're with Sierra Pacific Mortgage. They're great sponsors. More importantly, they're my good friends.