FROM DEVON'S DESK I want to tell you this one carefully, because it would be easy to tell it as a brag and that is not what it is. A repeat borrower of ours brought a deal to another lender who quoted him a better rate. That was a completely rational decision. Rate is the easiest number to compare, it is the number every lender leads with, and he is running a business. He did not owe me an explanation and I did not ask for one. Then, days before he was supposed to close, that