Elroy, Would you read these two links & give me the general 'vision' they might project? TIA Elena <a href="Http://www.calculatedriskblog.com/2008/08/reset-vs-recast-or-why-charts-dont.html" rel="nofollow" target="_blank">Http://www.calculatedriskblog.com/2008/08/reset-vs-recast-or-why-charts-dont.html</a> <a href="Http://www.calculatedriskblog.com/2009/05/loan-reset-recast-schedule.html" rel="nofollow" target="_blank">Http://www.calculatedriskblog.com/2009/05/loan-reset-recast-schedule.html</a>