Anytime you profit from a transaction as a middle man, it could be argued that you engaged in moral vice by profiting from labor and value that you stole from other people by inserting yourself in the middle , and we both know that in practical terms this argument is a BS.

Can we try to insert a little intelligence into this conversation, ladies and gents?

Rates are currently averaging around 7% or higher most of the time right now (insert disclosures about creditworthiness, etc. here).

Because… [Insert Reason Here].

ColleenI reccomend Speakman shower heads.The trick is ,to remove the black rubber water saver insert inside the connector side of the shower head.Please understand,,,a good showerhead does not increase pressure ,,,,however a clogged showerhead will definately reduce pressureDD

I find it odd that you feel the need to insert yourself and run to your friend's defense.  

He was willing to be “inserted” into the situation as an alleged security consultant.

It almost seems like the wrong chart was inserted (though I'm sure it's reader error).

If I have to renovate a bathroom, I no longer use the plastic/fiberglass shower inserts.

--I could make a laundry list of surprises, but the biggest of which included: New Septic tank required ($5500 job) Entire new plumbing required (100% new plumbing for about $3400), electrical panel needed to be replaced & grounded ($2800 job), gas line for furnace needed replacing (roughly $800), flooring beneath bathroom needed replacing (we swapped a built in shower/tub for a fiberglass insert to save $)Lesson Learned: If something doesn't look right, it probably isn't.