turn left to proceed downhill to the grove. but i get it the way you put it. especially with time deposit accounts, you should expect higher investment amounts. it depends on how specialized customer needs are for your industry. i tried everything except shaving the cat :grin:. running up big balances on your credit cards is the easiest way to tank this part of your credit score. he seems to keep a close eye on them and will follow them around…to an extent when they are near the holding area. in the first paragraph and so on. 