Observation the Second: Well, we’re now in a relationship with a failed bank. Our mortgage is with Downey Savings, or should I now say U.S. Bank. Still, it might provide us an opportunity. We’ve been wanting to refinance out of our 5/25 variable before it goes variable in 2011, but the rates haven’t come down as fast as the house’s value, making the refi harder. I can hope they might want to renogotiate the terms knowing what we had invested (we bought with more than 20% down)… all we are looking for is a fixed at our current rate.
Observation the Third: Working the conference, I think I’m beginning to see a generational difference. I’m at the age I like paper. Paper final programs. Paper At-a-glances. But we have a number of younger folks (OK, in their 30s) involved with the conference who seem to think that if it is on the web, we’re good to go. The presumption seems to be that everyone surfs the web with their phones these days, so why print. I’ve never had internet on my phone (I don’t even text): I use my phone to make calls. Am I wrong? Is this generational?