and save over 1,000 dollars a year. pentagon screen right and lower manhattan on-screen left. lower rates means lower payments. it is 9:3 eastern time. get the most of your va mortgage benefits. refi now at newday usa. refinance now and save. and boy are you terribly missed by mary, christine, andrew and we are so sorry that michael p, brittany, and especially beautiful joy never got to meet the one and only great iron schneider with miss and love you. [bells]