I’m on drink #2 and it’s not helping, one thing can be said about owning, you are less affected by the actions of others. On a side note HLS, If I go bank owned i need to get with you and get loan approval in order to submit offers. If I do that and then end up jumping on some builder’s standing inventory and going with their in house lender for the incentives, how does the added credit inquiry affect my credit score, is it significant or minimal?