I'd like some of that 1% interest money. I have amazing credit and make an income that places me in the top 1.5% of taxpayers yet the interest on my new home construction loan is 4% and that's at a variable rate. If we can get the principle down in the next year or two we can get a fixed rate. We hope we can do this before interest rates go up. If not, so much for the American dream and all that we have worked for- the bank will own it, having used nearly free money to get it.