Much like the FDA will allow additives and chemicals void of nutrition in your food.

For example, I would not generally take a lien on a old chemical storage site. 

Did you have anything of value or substance to add that might help the OP? 

We actually preferred the composting toilet because there were less chemical smells, etc.Both camps we stayed at had us bring our own water.Neither of the camp sites had electrical, but we could bring our own generator or battery system if we wanted.Mike

Well, he didn't notice corroded coils which are leaking chemicals and mold that are extremely obvious even to the untrained eye when peeling the panel off. 

That was the catch, not the substance.  

The cigarette they are smoking has hundreds of chemicals in it that are not good for the body.

Chemical Engineer, gig'em Aggies!!!!

@Noel Lopez Yes the properties are in personal name, the loan officer is Shawn Huss at Chemical Bank.

This is of course just my opinion...but several of your discussion points like being able to lock the rate on a balance and obtaining a lower interest rate seem to overlook the substance that this is a revolving product so treat it like one.