Hi, Ginny, and other new friends...
I'd like to thank you first for all the helpful responses. I talked to our guide tonight (this time he gave me his cell phone and told me to call him at home ;-) We are going to close the deal tomorrow morning when he goes into the office, so all my fingers and toes and elbows and eyes are crossed that the story in the morning is the same as it was tonight, and I'll be able to make a really happy new member post tomorrow!