i am very excited about this because it will give me the opportunity to tell a complete story sooner and this story means a great deal to me. for example, a family that took out a mortgage loan in 1973, stayed in its house for 20 years, and had a fixed-rate mortgage, would have been $200,000 better off in 1993 than a similar family that had an adjustable-rate mortgage. when it comes to creating my routine, preparation needs to begin months in advance. could you post one of your christmas letter. and when he looked at his sword, he clicked his tongue. 