Current 30-year rates are around 4.6%, you should be looking for sub2s that are close to that.Basically, you don't want to get yourself into a deal where the planets have to align perfectly for you to make any money.

What planet is that on? 

Crappy employees are toxic to your business.8) Have fun--this is a fun business and you will meet great people from around the world.9) Understand the responsibility you have to the investors you sell too. 

Try the least toxic remedy first and if it doesn't work for you, move up the ladder!

Not sure if this is a NYS rule or Fed...IF you test it and IF Toxic mold is found thenYou have to disclose

I'm just worried  that it has soaked through the grout to the concrete underneath the ceramic and that the smell will return over time,and how toxic is it?

So if it was on & very hot it could possibly explode due to the phenomenon of sudden cooling but I seriously doubt it caught fire unless the fluid sprayed happened to inflammable.During our drive control trials we tested this & observed the same phenomenon (but no ignition) in the Lab at GE because of water spray infiltration on incandescents in a hot toxic environment.

It is a very toxic substance, that if removed improperly, can cause further health issues. 

You aren't going to find a cheaper HML anywhere else on the planet.  

The Atlanta (etc) PM situation reminds me of the US medical system where Dr's (per the AMA) can only give you toxic pills and not solve the underlying problem, which means you're in an endless cycle of going to multiple Drs getting more and more prescriptions.