Noah,
Please accept my congratulations on being a 500 poster! I am sure your knowledge has helped a many person on this board. I am a newbee and already you have jumped in and given me advice. 
SandyK
CONGRATS!!!! You have the best advice and I have learned some very valuable credit lessons from you. I am currently reaping the benefits from one valuable piece of advice you've given. 
Looking forward to the next 500 from you!