>>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