I'm a pretty bright person, run my own successful mortgage company. I think if you told me why you believe I would understand. I'm also open-minded and believe people have a right to their own opinions and beliefs, just because we do not agree doesn't mean we cannot be friends. So, can you back it up with some substance other than "We believe because we do?" It's not a ridiculous request in my opinion. I will tell you why I don't believe...Fair enough?