Odd things start to happen.   A few months ago BoA decided to tell me that they were going to turn my fixed rate loan into an evil floating rate loan.  I think they must have gotten either in trouble with Bernake, threatened with law suits,  or at least some viscous hate mail.  Because I just got a letter in the mail from them saying they have reconsidered and are now leaving it well enough alone.  Maybe it was all those pins I had put into that voodoo doll of their CEO... who knows. 
 
Mirrored: http://www.chaosbutterfly.com/ http://fionnghal.livejournal.com/ 
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