Stephen

I would highly speculate that when this does happen, we’re probably going to have about 3 months, 90 days.  You don’t have to be running to your bank the same day or even the next day and making irrational decisions and rush the process only to come home and I’m like here’s how you could save X amount of money on the spread fees or X amount of money doing this.  You’re like, crap, I already exchanged and that cost me tens of thousands of dollars… :Stephen