Thank you all for your well wishes. I didn't mean to scare you all, but to be honest, I was pretty scared myself. Still am. Technically speaking, the odds are in our favor for nothing being wrong, but I am going in for an amniocentisis next Thursday so that we can make sure. Ugh. But, enough about me and my problems. I want to know what you think about all the asshats, and there are WAY more than you would believe, who are simply not paying their mortgages? Hubba-hubba himself knows of at least four, all of whom can afford their payments, they just don't want to pay because they are upside down. They are just waiting to be contacted by their mortgage companies, but it has been months and months, and in the meantime, they are saving thousands and thousands of dollars. Another co-worker stopped paying because he was upside down, the banks didn't do anything for seven months, and then he got his loan refinanced to 2.5% AND got $200,000 taken off the balance of his loan.