the second half was the “harder” half, though personally i thought the first half was harder since it involved more heights. and, your motive for being nice gets thrown into question too. think of it this way: you pay some interest up front in exchange for a lower interest rate over the life of your loan. it’s only half a game they’re down by, and there’s (sort of) plenty of baseball to play still. she had peanut butter and banana sandwich. "people achieve amazing things when they are ready to achieve them." 