Great Samsara ---what is the ideal rate banks are giving out? I was preapproved once with 6.2%  for no fee mortgage- i thought it was  high interms of current market situations for lower level loans. Its not like i am trying to borrow a million from them. How do i compete banks with rates? ask you or lendingtree.com lol -----?

How about google's shares?? Today some irish decent annouced CUIL.COM which is supposed to be three times better than google in terms of indexing the sites and better result. Will that crack a hole in google's ass (currently without hole ) I guess google settle for 3% down today for $477 probably due to cuil's announcements. I feel that subprime crisis is far more affecting folks than dotcom meltdown in late 99/00.