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If the time zone makes a difference I could call you from Utah on my car phone. You know Utah, that is where you are allowed multiple wives according to the board idiot. Isn't margin that stuff some people use in place of butter? Get back to me and let me know. I had know idea you sold stocks at your house. On the borrowing against the house I do the opposite. I paid off my residence with gains on stocks rather than using the property equity to purchase stocks.