@Scotland Ray Smith you are looking at cause and effect in reverse order! 

If the utilities are off, they need to be turned on for inspection at most banks - will that cause any issues?

The biggest cause of stress is working as a construction project manager in NYC with a lot of pressures coming from all sides. 

About a day later, I decided I wanted to start learning about REI...that caused an unexpected conundrum for what was initially an "easy" choice.This debt does not show on my credit since it's my wife's loan (in her name), so I don't think DTI comes into play, but regardless, the loan is still paid out of our joint bank, so it'll be nice to be done with it.Thanks again!

Things like the rule of 78s causing them to pay towards unpaid interest before principle or balance is paid down.

So you’re not happy cause you want politics out of a discussion regarding the White House?

I think it's a better business practice for me to find and repair small leaks myself, rather than jousting in court over who's responsible for the damage the big leak caused.

My hope was they would stay longer, but I also could punt out any people causing issues.

Something to think about.Mathematically, I agree with @Christopher Krug but in real life having the spectre of 150K hanging over your head is going to cause you some headaches.

They don't normally come without cause - or maybe they do in your area?