Had a guy on a framing crew years back who would stop swinging his hammer at 2:58, walk to the truck, and sit there watching the rest of us finish up. Everybody talked trash about him but he was the only one who never got hurt on that job. Pulled his back twice staying late for a company that laid him off two weeks after he did it. There is a lesson buried in there somewhere and I keep forgetting it every time a boss buys lunch.

Did you know I used to doubt stakes too, but six pergolas standing says a lot?

Refinanced my wife's Camry at Bellco after a year of getting buried on a 72 month. Rate dropped from 11% to 4.9% and they didn't care that I was upside down, they just rolled it in. Call your credit union and ask for the payoff number first so you walk in knowing the real damage.