>Remember that national average mortgage data includes
>people who have paid points and tends to under-run the
>30 year zero point fixed conforming. -gn.
>--
>Gregory P. Nowell
>Associate Professor
>Department of Political Science, Milne 100
>State University of New York
>135 Western Ave.
>Albany, New York 12222
>Fax 518-442-5298