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" But if you can get as much money as you need with good terms on a home equity loan as you can on a mortgage refinance , and you can get a rate that 's attractive and lock it in , then that seems like a very wise thing to do . Reporters , third parties , anybody that 's interested can go out there and see it . That 's Roman wormwood - that 's pigweed - that 's sorrel - that 's piper-grass - have at him , chop him up , turn his roots upward to the sun , do n't let him have a fibre in the shade , if you do he 'll turn himself t'other side up and be as green as a leek in two days . I delight in everything that 's yours-whether it be money or virtue . I would suspect that - - looking at how the mail room at least used to operate - - I have n't been around it in the last couple of years , but most of those go directly back and are in the search system , so that 's - - and you can ask Bob or - - that 's correct , we're a search and services person - - I think that 's really the essential trade-off here that you are making and that 's really the bottom line choice .