[4RE KLR]

Sounds like a good decisionbased on what youhave. Just don't let the time escape you if you decide to keep it ast the terminal date.

You still have 13 months to do something, so you may ride it for awhile longer. I really think that with all the forclosure due to hit the market in the next year or so the mortgage companies will come up wit a new scheme to get new loans. Just stay on top of it like you are now and you be fine.

Keep your head down.

BTW:
We have some Texas National Gaurd buddies headed your way. Take care of them.