Anyone familiar with marketing knows perception is reality and the perception that the productive members of our society are about to punished for being responsible citizens is growing.

Would that not lead to more production in the workplace with less time off?

Mike makes an excellent point.

The customer might never wear the t-shirt, but the feel-good factor they take away makes the investment excellent value for money.In his book Buzzmarketing: Get People to Talk About Your Stuff, Mark Hughes tells the story of Miller Lite.

Scaring your prospects away is counter productive.

I believe he is the son of Bruce Norris, and part of The Norris Group The Norris Group does in fact sell REI products and services.

PrePaid Legal - While many may look at this mlm style company in a negative fashion, they have a business product for only $75 a month that is perfect for a new business owner.

Either a water and vinegar solution or you can use a product called Nature's Miracle which can kill urine odor.

Your plan to keep your residence currently is excellent plan.

excellent points....I kind of forgot that the HELOC rate could change....mine has a locking option as of yet, so that could help me hedge my bets...thanks for the reply.