Are non negotiable. Please do not ask. Please review the website rates section, there is no bigger turn off than a man that haggles. If you are interested in irritating your favorite provider, then this is a sure way to do so. This is considered rude and eventually it will lead to being blocked. I am graceful and forgiving but – I will not tolerate abuse. Please seek another provider with different boundaries, or go to and good luck with that!


Axception apply if at the beginning you mention my blog on Adjustable Rates–  I will make axceptions to this rule for those of you who qualify for a rate reduction after submitting a positive review or other. See blog  for details.