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Rich, I called my banker buddy in Ste. Genevieve and proposed a deal to him where he would lend me up to $10,000 at 0% for up to 60months. I thought it would be a good deal because the bank was just sitting on all that money. That darn buddy of mine , his response was just not nice. So his deal lost may be another's gain and I'll take applications for this loan from any other bankers out there.