Elvis Constello, When I Was Cruel

I can't find where the question, what *is* the woman signing contrapuntal back beat saying in WIWC? I listened carefully and it sounds like the French "bon" to me.

Refi is done

The good: I have refinanced, hear me roar. It cost $zero, I'm saving $ in the long term, and I can refi with someone else tomorrow with no penalities if I want. Bonus: I'm actually getting the big things checked off my to-do list!

The bad: I could have locked at a better rate if I hadn't set it aside between revving up in June and locking 1 or 2 weeks ago, all because I resisted sitting down and doing my math homework. OTOH, rates are up from what I locked. Oh, Alan? Alan Greenspan? What's next?

The good: Now I know how fricking easy it is to find a loan directly, and have practised my rate comparison math. The hell with loan brokers & fees.