We don't have the time to do exploratory "surgery" to see what we're dealing with so we'll often "pad" our estimates just in case.

High efficiency,  Plastic Laminate.

I stay away from the cheaper plastic heat tape, it has to be replaced every few years, and is move prone to catching fire if it crosses over itself.

I find it is very useful not to talk to a Carpenter about heart surgery

One doctor was older and pioneered the surgery and had done about 20 of them.

@Kevin Dean , @Joel Owens sheds some great lightIn regards to the overall Medical Office outlook, it still remains strong, however what your seeing is also a shift to large, concentrated outpatient medical parks that are on stop shops from Primary Care, Derm, Outpatient Surgery, among other specialties. 

If I can jump through all the hoops.. my debt to income ratio is on my side, its very low. income tax season is here, so that will help me out. one issue is; my work has been slow the past couple months, only working 2-3 days a week. but we are finally picking up and should be busy for a while, my YTD income/income over the past 2 years has not been very good due to having 4 surgeries(work out injuries).... although I was collecting short term disability all 10 months off work. hopefully the bank see's how much money I make a week now and everything works out, wish me luck BP FAMILY :) 

My good buddy from college wasn't so lucky, he got jumped by a Grizz out fishing one day on the Russian River, didn't have time to draw and the bear chewed his face off (he survived just barely but lost his eyesight, sense of smell, entire face and part of skull, spent a year in the hospital undergoing many surgeries, etc.).  

They always replace it with a clear plastic blank plate though.

There is plastic vapor barrier under the vinyl plank.