Congrats Berettafan!!

Ruf...I think you are misguided in this case, unless you were being sarcastic, but no need to restate what everyone else has already said.

Aye we all need beer!

I wonder are we training the next generation to treat secured debt as if it's a loan from a rich uncle that doesn't really have to be repaid. Perhaps the key in all this is what happens to folks that default. Are they back on the horse in 7 yrs?