Unfortunately trying to convince conservative mortgage pay down investors that they are waving a flag and wearing a sign that says in bold letters "come and get me" is a waste of effort.

That being said, fortune favors the bold so hopefully you folks can give me some advice on how to proceed and what to look for along the way. 

. - Right, but I don't think there is anything wrong with your observations, and your experience my be repeatable in the short term if the other factors remain about the same.Sometimes actual experiences are more relevant than statistical/analytical rules.

Adam F,The IRS will check statistics of reasonable compensation for that field.

Concur with Michael Quarles - we use first-class stamps on all our letters but don't consider the type of stamp to have much statistical relevance.From a marketing standpoint, your various campaigns should be designed to work together as a system.

It's bold to call them out when they're not helpful and it got you results.

Good luck - Ned I saw a presentation last night and they guy had statistics on housing in the U.S.

If the number is big and bold some will call as soon as they get it, if not they may set it aside and never come back to it.Greg

I dont know if I'm bold enough(money-wise) to try to spend the money to track those results for 6mthsBTW,I need to start coming to the WCRT meetings and networking

Such a statistical long shot.