I even asked him how it works because I have no idea. He could have simply replied back and said 'no thanks' Anyways, I have nothing against the guy and he has helped in the past. Just pointing it out. Also, it seems like he is the second person to ignore my cosign inquiry, one being the guy GDL recommends on this forum. Weird. Must have to meet in person? I realize after Moo's post I am not using cosign in the right context, or you guys misunderstanding me.