Gentlemen, as being new to the space and investing, Iāll ask all of you something from my industry; ātripping over a $20 bill to pick up a shiny nickelā to Kars point, getting the same thing for less elsewhere- well thatās being frugal. But is it all the same that you can say that and can focusing on fees eventually lead to tripping over a $20? Within a year, people renew mortgages, beginning of this year someone signed with a lower interest rate to say now, someone signed a little higher. They both will have equity in the home in 25 years and a paid mortgage; what I believe matters is where your home is located and not the interest payments you made that creates the true equity.