No loan is free. The costs are in your loan somewhere, maybe rolled into the amount to be refinanced or even coming at a higher interest rate.
I'm not great at dealing with death, I have to say. I find death very hard: my mum, my dad, Sid Vicious. I'm not a monster; I feel it and it scares me. One death at a time, please, is all my heart will bear.
It's most satisfying to have an effect on the public realm - deep down I think it's what every architect wants to do.
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