Hi! I am interested in shredded or doubles. I have to offer: clivia (plant) Abutilon Marion Stewart (gorgeous and huge and covered with blooms) (plant) Brug cutting Jean Pasco, Insignia Pink Red firespike (plant) Purple firespike (plant) Sesbania punicea (scarlett wisteria) (plant) Caeslipinia mexicana (plant) Dwarf Pride of Barbados (plant) Coral vine (plant) orange plume (plant) yellow plume (plant) Pink plume (plant) Rouge berry (plant) Clerodendrum musical notes (plant) Red and white bleeding heart vine (very large plant) Let me know if you have brugs that match my desires and if anything I have grabs your fancy! Anita Datura seeds: La Fluer, Alba, Ballerina

Our bank, which is a smaller, but stable bank has changed their rules 3 times in last 4-5 months. I have been waiting on quotes for over 6 weeks now that keep pushing us back. Even though we wouldn't fall into the subprime, buy it now above our means group, (we have scores over 750, decent income, have more than the 20% down,) they are now looking for proof of reserve for overage ~%10, as they are adamant there will be no money available to us, for refinance after completion. Keep in mind this is for a one close construction loan. My banker understood my being upset about having to have use my 401k as proof, we have been and are a long time client of the bank, and I feel as even though we did everything right by buying the land first and paying it off, we are getting the hard time becuase of others lack of responsibility and integrity. Two years ago when we bought the land, it was about as easy as can be, at least 25% down, did all the paperwrok and closed in 3 weeks. Times they are a changing. The banker agreed that in theory they are not looking for 20% in that case but really 30%, and if that was the case why wouldn't we just put the 30% down if we had it available. Also it is calculated by the lower amount of either what we are asking for or what it is appraised at, so even though I will be doing some of the work, and a family member and I framing, I still need to submit quotes to show all of that in order to get 75-80% financing. In the end if I defaulted the day I got my CO the bank would own the house at 65-70% of today's true appraised value right off the bat. Thus they are going back to extremely low risk lending. Most other banks in the area have cut their construction loan programs, and I know of 2 people more than 50% through a renovation through home equity, where their home equity got cut, and there is not money to finish. These are not deliquent payers, in fact one had been in their house for 8 years no credit issues, and were doing an addition. It may sound ludicrous, and we were told we were fine everytime even as they changed the rules, but I see that it will affect everyone. I also have seen contractor give higher prices in order to make up for possible slowdowns, while I have seen others give fair prices to keep themselves going.

So GOOD THINGS can come in threes also. You can breathe now, cause I bet you had been holding your breath. So happy for all of you. Sue

Annie, Merle can drive anything anywhere! He once told someone that I drive the motor home better than he does because I'm afraid of it and he isn't! But he hates my driving, so he gets to do it all. Most of the scratches cant even be seen. He got it again on the way home last Sunday in WV. Coming to an intersection, he saw the trees that had been very recently trimmed, but thought he was over far enough. Got the edge of the windshield besides the side. I haven't thought about it to look at it, but I don't think it was too bad. That's what he gets for putting his seat belt on after he's on the road, instead of before! (He hates seat belts) He even takes it thru the parking lot at Sonic's!!!! Places I think are way to small for it, he has no problem with. You sure did hit some great places to shop and seeing friends is alway great. Tami