With all of this info , some people still make it sound like a walk in the park , yes it can be , but when it is NOT , it can be very traumatic and expensive for what you stand to lose . people have refered to people like myself as fools , i do not mind one bit because i have been called worse in my long life time . Pease take off those rose tinted spectacles and try to remember "He who laughs last , laughs longest "