Sucks that you got to work it that way, but least you got a good bank that will fight it for you. I did like the DF that I saw of it, but was just not worth the possible hassle, Im glad some of you are having good luck with them though. For the price it was hard to beat out, for me it was worth the extra to go with the Heist, I do tend to do a lot of work myself for other things, but time is a tough thing to get. Single father means less times for toys, but the good part of it is, my daughter loves my toys so looks like I will be working with her on things as she gets older.