customers saying they will lower my mortgage down 75% with no closing costs of any kind, a simple modification to keep their best customers from going elsewhere for refinancing. should i have an attorney look over it? is there a catch? >> i would definitely have somebody look at that if they can. talk to another real estate agent who is familiar with this area. look at the deal. if it's a good deal and its's the mortgage lender they have been dealing with, definitely look into that. that's a cut in money, and hopefully they will save that money and not spend it. the rates are great, and if the refinance is low and they are staying in the house, definitely look into this. >> this 21-day diet, and saubt in atlanta you are putting on a diet. you met with her recently, and before you even ask someone to reveal their finances, you say, you got to make this commitment. university's got to be dedicated about where you spend your money