wow tatddy, i know youre a good guy, but common man. I dont want the loan anymore but i have to say I'm kinda insulted by your offer. i guess ive never dealt with you in particular as a lender but ive gotten way better terms from a number of guys.
've seen you around before and ive got some respect for you. youre a decent poker player so you obviously have an understanding of risk. you must have never heard of me because this sounds like something youd offer a newb. ive paid off big loans and im sorry dude but im like 0% risk. i donno man. anyways thanks but no thanks.
wow. Im seriously kind of offended. maybe its because im wasted.
Ha you are one who made the terms initially then you edited your post. You can always negotiate an offer down too. Nothing personal here. I responded from work as didn't have time to research. Just trying to help.
oh i see what you mean now. I thought you were trying to ignore the first 24 hour teaser rate and just give me the failure rate. sorry man I've been drinkin tonight!