1. Many responsible people have already refinanced over the past couple of years. Many of them have near 4% rates, while others have ARMs that have rates even lower than that. [/quote]
This is true. Heck, how many times has flu refinanced?
Thanks for that link, CAR.
And yes, flu is right. H. pylori bacteria is what causes ulcers. But what causes someone to get the H. pylori bacteria? Could stress weaken the immune system and the body is vulnerable to unfriendly bacteria?