Dear Sir or Madam, Would you REFINANCE if you knew you'd SAVE TH0USANDS? We'll get you lnterest as low as 1.92%. Don't believe me? Fill out our small online questionaire and we'll show you how. Get the house/home and/or car you always wanted, it only takes 10 seconds of your time: http://tastyllemo.com/special/ Best Regards, Andrew Banks