 "We've got several hollow tree options to consider. How many nuts were you looking to invest at this time?" |  "We got a hybrid loan. It starts out as a fixed rate loan, converts into an ARM, and if the lender's not satisfied with his return, we host his in-laws every other summer in the basement." |  "The paperwork for your mortgage seems to be in order. Now, if we can tap a vein for your signature we'll be all set." |  "I bought a software program that should help us monitor and control our spending habits, and while I was there, I picked up a few new games, a couple of screen savers, 4 new mousepads, this nifty pullout keyboard cradle |