if you have a $300,000 mortgage and renewed again for a 5 year term at a higher rate of 0.40%, your bank will pocket an additional $6,000 of your hard-earned money! also a short walk on the sandy beach. and that feeling in my stomach. a toothpick should come-out clean in the exact middle of the cake. and the doing of it was even more intense than the reading of it. this could all have been solved by owning the correct furniture. it was a mighty fine napkin too if i remember correctly. 