I know, HazelGirl. I know his wife doesn't work and they have a son in college and their daughter starts college the year after next. I KNOW that he needs to make a living. However, I had let myself believe him when he talked about how much he really cares about me as a person and it's not just business, and blah blah blah, and therefore was surprised there was a lower rate available, that he had not mentioned or been willing to offer.