In a message dated 12/5/99 11:03:41 AM Central Standard Time, firstname.lastname@example.org writes:
> Though you now see some competition starting to push the rates
> down during "introductory" periods, they rapidly revert to a higher level.
Do what I do. 'Surf' the interest. That is take of advantage of the 'teasers' then when it goes up...pay it off and get a new 'teaser'.