Meow honestly feels for you. Meow will have to sell for something, be it a loss or a gain within the next year to be able to pay bills. It is a scary thought as Meow and most thought that this was a no brainer and we would all good if not great by now. Meow was hoping to refinance, but the paper losses as of today has Meows assets so low. The bank will have no choice but to decline Meow for HARP.