in their shoes/your shoes, at their planning table/your table you can speak, resist, turn over, and create. while you are a professional, you are not a pro athlete. all that is happening around the world the last year or so alone! the float will sink through the foam and float on the liquid. ideal way people are some that works. interest rate that is calculated by taking the base interest rate and adding points, fees and closing costs to the total. and as fingerprints are, each one is unique to the moment. hope you will all find it useful for your purpose. 