John,

> Some people pay thousands of dollars for just that! God 
> listens and answers your prayers too, doesn't He?

Yes, and so far we've been hanging in there. Sometimes the answer is NO, but
we do get an answer.

There is always a level of risk when you build a house via construction
financing and you don't have a bug $$$ cushion somewhere for shortfalls. We
didn't know our risk was this large, but there is a risk nonetheless.

Kristyne




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