I need to stop posting and pack for our trip tomorrow. But the talk about mortgages--had a friend over last night who does mortgage loans here in Ames. Said when she worked with Chizek they were like, "We want a 3yr ARM. We don't look any further ahead than that." Firmly entrenched with a 3yr loan.
Considering his track record, that's about as long as he has been ANYwhere...not just here.