Refi

Thanks for the reminder, Noel. Here's the story...

There's a commercial on tv all the time about a "no cost refi," and for some reason, Damon and Allie think it's funny. Allie started saying it and when I laughed at her, it only encouraged her that much more. Well, a few days ago we were reading the children's Book of Mormon stories and I was pointing out who Nephi was. A few minutes later, Allie held the book up so I could see, pointed to Nephi, and called him "No Cost Refi." Close.