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 Can you explain your loan program again, this time without using the phrase, 'yada,yada,yadda?' " |  "Let's see if we can determine your capacity for assuming risk. Now, how familiar are you with snake handling?" |  "The terms of our refinancing gave us a little extra cash to build an add-on to the back of the house." |  "I'm sorry, Mr. and Mrs. Chuckles, but the only thing you seem qualified for is a balloon loan." |
 "Well, I inspected the house, and the trap doors, secret passages, and subterranean dungeon are all okay, but I'd look into caulking around the snake pit." |  "You can lay on it if you want, but my channeling energy through your body's chakras isn't going to increase your laptop's battery life." |  "Exactly what type of hormone replacement therapy are you taking?" |  "What if we put the solid granite Jacuzzi on the first floor?" |