I like ewallet by Iliumsoft. Much more than passwords, basically a little encrypted database app. syncs to iphone, windows mobile, blackberry etc... I use it on a U3 drive for portability. And hallelujah it works under parallels on my macs too!

You are wrong, or not old enough or both. In the late 70s early 80s before mtge securities took off, mortgage spreads on 30 year fixed mortgages was 320 basis points (3.2%) above 10 year treasuries, by the late 80s these spreads had come don to 125 - 150 basis points all on the back of repackaging portions of the mortgages to different types of investors. These lower relative interest rates, made homes more affordable and surely helped increase home ownership without question, had to. Yes FNMA and Freddie Mac helped in this process, but ultimately it was finding new buyers of mortgages that changed the game.

While someone is at it, can you figure out a way to keep people from using a website that takes credit cards to not use the page for credit card testing?

Some years ago in Montreal I went into a bank with a $20 bill looking for change (because the parking meters there don't take american quarters of course, even though ours take theirs - or used to).. The bank teller lady just looked at me like I was crazy, as if she couldn't figure out what I wanted.

So I guess this doesn't surprise me much!