Guys - lets try not to encourage others to violate the TOS of CL or any other site.

No one will encourage you to run to the back of the room for 50% off their overpriced CD’s, courses, or sure bet deals.

Rather than to be encouraged to think creatively , we are often told that there is only one correct answer to the problem.

I say screw 'em.Plus I hate that their call center is outsourced to India and you cannot understand a dang word they say even thought it is "english".I encourage people to look at the American Express products.

It is certainly encouraging and makes me feel much better about not knowing all the stuff that I don't know.

Thanks for all your kind encouragement.

Thanks for filling me in.This thread is encouraging me to look at more single family opportunities in the area in lower income neighborhoods with limited amounts of violent crime.

I would encourage you to read the Federalist Papers and the many published diaries of the authors/signatories of the Declaration of Independence, the Articles of Confederation and the US Constitution.

Tom,That's encouraging for a guy like myself that has not done a rehab yet, especially after looking at your site and seeing the finished product.

Just wanted to encourage research and networking.