Diamondcu - The interfacial properties of diamond/Cu composites can be improved using metal matrix alloying methods. In this study, we investigate the effects of alloying elements (B, Cr, Hf, Mo, ...

 
Diamond CU Boyertown Branch 173 Holly Road Gilbertsville, PA 19525 ( Map) Phone Number: Click-to-Call: (610) 326-5490. Toll-Free:. Pdf master

Accordingly, the diamond/Cu composites offer extremely high thermal conductivity for efficient heat transfer as well as adjustable low CTE matching the semiconductor chips or laser diode bases [8]. It is known that the interface between the reinforcement and matrix plays a vital role in determining the performance of metal matrix …The Diamond Index and Diamond Drivers were formulated following comprehensive research and analysis of the IDEX inventory database, aggregated since …196 Citations. 251 Altmetric. Metrics. Self-assembling colloidal particles in the cubic diamond crystal structure could potentially be used to make materials with a photonic bandgap 1, 2, 3. Such ...Diamond Credit Union held a groundbreaking ceremony on April 25 at the site that will soon become the Cumru Branch. The Cumru Branch will be the Credit Union’s eighth branch, and will be located at 1030 Cedar Top Road in Reading, Pa. This is near the corner of Route 724 and Route 625. The branch is expected to be 4,100 square feet and …Manage and maximize your money with these banking tools. For individuals who want to make managing and maximizing their dollars a cinch, Diamond Credit Union’s Account Management Tools can help accomplish several tasks. The know-how on depositing money, protecting money from overdrafts, taking a break from loan payments, and …UNIQUE FEATURES: • 1.5% Cashback – every $1 spent = 1.5 Points. • Variable rates start as low as 16.50% APR**. • Earn points with every qualifying purchase. • Spend $1,000 in the first 90 days and earn 15,000 points = $150. • Redeem points for cashback or prestigious rewards, or donate your cashback to The Diamond Foundation.Rate. Growth Checking. $1,000 Minimum Deposit*. .10% Annual Percentage Yield. $10,000 Minimum Deposit*. .20% Annual Percentage Yield. *Growth Checking: $1,000 minimum daily balance required to open and earn dividends. A minimum daily balance of $1,000 must be maintained to avoid a $5.95 monthly minimum service fee.According to RedFin, home prices in Pennsylvania were up 2.2% from 2022 to 2023. This is good news for anyone that owns a house. Since your home could potentially be worth more now than when you bought it, you could have even more equity. If you bought your home for $200,000, a 2.2% increase would put your house at $204,400.Then, diamond/Cu composites with WC coated on the surface of diamond particles was prepared by vacuum pressure infiltration. Copper alloy contained a small amount of Cr, B, Ti, Co and other active elements by atomic method to improve interfacial bonding and thermal conductivity of the composites, and synthesized diamond/Cu …The Diamond Mortgage Team is committed to getting you in the house by offering competitive rates, lower fees, fixed and adjustable-rate mortgages, plus a special program for First-Time Homebuyers. With today's competitive rates, if you're thinking of refinancing your mortgage, then contact the mortgage experts for some great refinancing options ...Rate. Growth Checking. $1,000 Minimum Deposit*. .10% Annual Percentage Yield. $10,000 Minimum Deposit*. .20% Annual Percentage Yield. *Growth Checking: $1,000 minimum daily balance required to open and earn dividends. A minimum daily balance of $1,000 must be maintained to avoid a $5.95 monthly minimum service fee.In this paper, the two-flume method was used to study the change laws of the thermal conductivity and thermal expansion coefficient of diamond/Cu composite materials with 100, 300, and 500 cycle numbers, under the action of thermal shock load between −196 and 85 °C; the X-ray diffraction method (XRD) was used to study the change of the …Manage your Diamond Credit Union account online with secure login. Access online/mobile banking, check balances, pay loans, and more.The supersonic laser deposition (SLD) of diamond/Cu composite powder is studied over a range of laser power. The deposition efficiency, coating microstructure, cohesive/adhesive bonding, phase composition, micro-hardness, and tribological property of the diamond/Cu composite coating are investigated. The results …Diamond Prices Index™ 209.2 3.9 Updated April 1, 2024 - Next update May 1, 2024 Determining the price of a diamond or its value involves many of the factors we … Diamond Credit Union Routing Number: 231385154. Need help with your Diamond account? We're happy to assist you. Contact our expert fiancial team online or via phone, email, or in-person. The Diamond Mortgage Team is committed to getting you in the house by offering competitive rates, lower fees, fixed and adjustable-rate mortgages, plus a special program for First-Time Homebuyers. With today's competitive rates, if you're thinking of refinancing your mortgage, then contact the mortgage experts for some great refinancing options ... Diamond CU Wyomissing Branch 1500 Ethan Drive Wyomissing, PA 19610 . Phone Number: Click-to-Call: (610) 326-5490. Toll-Free: Click-to-Call: (800) 593-1000. Charter ... UNIQUE FEATURES: • 1.5% Cashback – every $1 spent = 1.5 Points. • Variable rates start as low as 16.50% APR**. • Earn points with every qualifying purchase. • Spend $1,000 in the first 90 days and earn 15,000 points = $150. • Redeem points for cashback or prestigious rewards, or donate your cashback to The Diamond Foundation. Diamond CU Boyertown Branch 173 Holly Road Gilbertsville, PA 19525 ( Map) Phone Number: Click-to-Call: (610) 326-5490. Toll-Free:Accordingly, the diamond/Cu composites offer extremely high thermal conductivity for efficient heat transfer as well as adjustable low CTE matching the semiconductor chips or laser diode bases [8]. It is known that the interface between the reinforcement and matrix plays a vital role in determining the performance of metal matrix …Deposit a fixed amount of money for a set period of time and earn a market-leading rate on your funds. Members can open a Regular Share Certificate with a minimum investment of just $1,000. Diamond’s Jumbo Share Certificates are also available, featuring a super-sized rate with a minimum deposit of $75,000.The Diamond Index and Diamond Drivers were formulated following comprehensive research and analysis of the IDEX inventory database, aggregated since …Muhlenberg Branch. 4453 North 5th Street Highway Temple, PA 19560 (Corner of Business Rt. 222 North and Darby Avenue) Mailing address: 1600 Medical Drive, Pottstown, PA 19464. Make an appointment for Muhlenberg. Get DirectionsThe Diamond Index and Diamond Drivers were formulated following comprehensive research and analysis of the IDEX inventory database, aggregated since …Cumru Branch. 1030 Cedar Top Road. Reading, PA 19607. (Corner of Rt. 724 and Rt. 625) Mailing address: 1600 Medical Drive, Pottstown, PA 19464. Make an appointment for Cumru.The TC of the 40 vol.% Ti-coated diamond/Cu composite is 475.01 W m−1 K−1, much higher than that of diamond/Cu and Cu-coated diamond/Cu composites under equivalent manufacturing conditions.Then, diamond/Cu composites with WC coated on the surface of diamond particles was prepared by vacuum pressure infiltration. Copper alloy contained a small amount of Cr, B, Ti, Co and other active elements by atomic method to improve interfacial bonding and thermal conductivity of the composites, and synthesized diamond/Cu …Diamond Credit Union is a member-owned and operated financial institution that offers low-cost banking services to Southeast Pennsylvania community. You can access your …The thermal conductivity of Diamond/Cu composites under different diamond particle mixing schemes all exceeded 700 W/mK. In particular, the obtained maximum thermal conductivity value of 853 W/mK in Diamond/Cu composites, increases 220% than pure copper by introducing 25 vol% of secondary diamond particles with a particle size … Manage and maximize your money with these banking tools. For individuals who want to make managing and maximizing their dollars a cinch, Diamond Credit Union’s Account Management Tools can help accomplish several tasks. The know-how on depositing money, protecting money from overdrafts, taking a break from loan payments, and budgeting is ... The characterization of diamond films using various techniques, including X-ray diffraction, Raman spectroscopy, atomic force microscopy, nanoindentation, and tribological tests is briefly discussed. An overview of some of the most relevant applications of NCD films, including mechanical, electrical, thermal, acoustic, and optical applications ... Annual Reports. Local Phone Number: 610-326-5490. Toll Free Phone Number: 800-593-1000. Routing Number: 231385154. 75+ years of growth, record-breaking fundraisers for local charities, and a full menu of financial products and services. Hear our story. Wij willen hier een beschrijving geven, maar de site die u nu bekijkt staat dit niet toe. Annual Reports. Local Phone Number: 610-326-5490. Toll Free Phone Number: 800-593-1000. Routing Number: 231385154. 75+ years of growth, record-breaking fundraisers for local charities, and a full menu of financial products and services. Hear our story. Diamond Prices Index™ 209.2 3.9 Updated April 1, 2024 - Next update May 1, 2024 Determining the price of a diamond or its value involves many of the factors we …The Cu/diamond composite exhibits a record high thermal conductivity of 1050 W/mK. •. The synergetic effect plays a fundamental role in attaining high thermal conductivity in the Cu/diamond composite. •. The discrete in situ carbide interlayer plays a decisive role in attaining high interfacial thermal conductance. •.The friction stir process has been used for the first time to fabricate copper–diamond composite. The initial diamond particles were fragmented and embedded into Cu alloy due to the pressures applied during the friction stir process. A drastic refinement of the diamond particles was observed due to attrition during processing. …Optimized thermal conductivity of diamond/Cu composite prepared with tungsten-copper-coated diamond particles by vacuum sintering technique. Vacuum (2018) H. Zhang et al. Unveiling the interfacial configuration in diamond/Cu composites by using statistical analysis of metallized diamond surface.The thermal conductivity of Diamond/Cu composites under different diamond particle mixing schemes all exceeded 700 W/mK. In particular, the obtained maximum thermal conductivity value of 853 W/mK in Diamond/Cu composites, increases 220% than pure copper by introducing 25 vol% of secondary diamond particles with a particle size … Diamond Credit Union will credit the member up to $300 towards their first payment after vehicle is financed through Diamond Credit Union. Offer void when 7-day Repurchase Agreement is activated. Offer valid only on Enterprise vehicles purchased 03/15/24 – 04/30/24. No cash advances. Offer cannot be combined. No matter where you are in the process – already a homeowner, ready to buy a new home today, or want to be ready down the road – our team is here to help you feel comfortable and confident. We’re in this together – that’s younity. Diamond offers competitive rates, lower fees, and a variety of loan types including fixed- and adjustable ...Rapid Manufacturing of Diamond/Cu Composites Prepared Via Ultrasonic Consolidation. Number of pages: 16 Posted: 27 Aug 2022. Downloads 11. Abstract. A rapid low-temperature solid-phase preparation method for diamond/copper composites based on an ultrasonic consolidation process is proposed.In this study, diamond/Cu composites were fabricated by SPS technique using the mixture of diamond particles and Cu powder. The tribological behaviors at elevated temperature (friction coefficient, wear rate, oxidation, adhesive, etc.) of the diamond/Cu composites were investigated qualitatively and quantitatively. 2. …With Diamond Credit Union's updated mobile app, you can view account balances, transaction history, transfer funds, pay bills, find branches, and deposit checks …The compressive fracture strength (CFS) of SiC-coated diamond (200 μm) is 226 N, improved by 8.5% compared with that of the raw diamond (201 N). In sum, CVD method is promising for the preparation of homogeneous nanometer SiC coatings on diamond particles for its modification and further application in composites. 1. Local service team and decision-making supporting the small- and medium-sized business community. With the growth of our Business Services division, small- to medium-sized businesses can benefit from real estate financing, business lines of credit and business credit cards, to checking and investment products needed to run a business smoothly. Diamond Credit Union will credit the member up to $300 towards their first payment after vehicle is financed through Diamond Credit Union. Offer void when 7-day Repurchase Agreement is activated. Offer valid only on Enterprise vehicles purchased 03/15/24 – 04/30/24. No cash advances. Offer cannot be combined. Our dedicated team is available to help guide you on the best way to transition your current checking to better checking with Diamond. Call 610-326-5490, option 4, select 3 to speak with our dedicated team Monday-Wednesday 9am-5pm, Thursday & Friday 9am-6pm. After experiencing an award-winning banking experience at Diamond Credit Union, you'll ... Business Services. Running a small business involves a lot of tasks that aren’t associated with the core purpose of your business. These small business financial solutions ranging from loans to everyday finances with additional services to assist in running your business. Local service team and decision-making offering small business banking ...In this video I present the diamond cubic crystal structure, explaining the tetrahedral symmetry of each carbon atom, bonded to four other carbons.Diamond is a not-for-profit, member-owned credit union. There’s a big difference between credit unions and commercial banks. While banks have to produce profits for shareholders, as a credit union, our profits are shared with our members – that means the more we grow, the more you benefit. As a credit union, Diamond distributes profits to ...Personal Banking Center Loans & Credit Center Home & Mortgage Center Investments & Financial Planning Center Business Services Division. Access your accounts easily in …For additional payment options and to avoid identifying yourself every time, login to online banking or create an account today. Identify Your Account. Member Number. Social Security Number (SSN) Vehicle Identification Number (VIN) Please complete the following to confirm your identity: Member Name. First word in Members First and Last name.But the experimental results of ITC at the Cu/C interface varied significantly according their preparation methods. In recent work by Fan et al. [29], the experimental values of 55 MW/(m 2 ·K) for the (100) diamond/Cu and 48 MW/(m 2 ·K) for the (111) diamond/Cu were reported. Map of Diamond Credit Union Locations. Find your nearest Diamond Credit Union branch or ATM using our interactive search tools. Diamond has 7 branches across Pennsylvania, offering a wide range of financial services to members. Services may vary by location. CHOOSE CITY Birdsboro Gilbertsville Pottstown Royersford Temple West Reading Wyomissing. 1997 – Diamond Federal Credit Union shortened its name to present-day Diamond Credit Union to reflect a conversion to a state charter. 1996 – In March of 1996, Diamond began its affiliation with the largest employer in the region, The Reading Hospital and Medical Center. 1990 – Dana Pottstown Federal Credit Union changed its name to ... Who We Are. Diamond Valley Federal Credit Union is a full-service financial institution serving those who live, work, worship or attend school in Vanderburgh and Warrick Counties, or is an immediate family member of someone that does. Since our start in 1961, Diamond Valley FCU has grown by providing our members low cost products and services ... Diamond Credit Union is a not-for-profit financial institution serving the people of Berks County and the TriCounty Area. When you become a member of Diamond... DETAILS. Make an easy, fast payment for your loan or credit line using any payment method you desire. 2014-2021 Diamond Credit Union. Accessing services constitutes acceptance of our electronic agreement, the Electronic Funds Transfer Disclosure and Fee Schedule and all of the terms and conditions contained in the Important Account Information ... Cumru Branch. 1030 Cedar Top Road. Reading, PA 19607. (Corner of Rt. 724 and Rt. 625) Mailing address: 1600 Medical Drive, Pottstown, PA 19464. Make an appointment for Cumru.Diamond Credit Union is a member-owned and operated financial institution that offers low-cost banking services to Southeast Pennsylvania community. You can access your …If you live, work, worship, go to school, or regularly conduct business in Berks, Montgomery, Chester or Bucks Counties, we invite you to join the Diamond family and earn lower interest rates on loans, a higher return on your savings and less fees than many financial institutions. Join over 64,000 members in the region and take advantage of the ...No matter where you are in the process – already a homeowner, ready to buy a new home today, or want to be ready down the road – our team is here to help you feel comfortable and confident. We’re in this together – that’s younity. Diamond offers competitive rates, lower fees, and a variety of loan types including fixed- and adjustable ...Diamond Cubic Crystal Structure is explained in this videoOctahedral and Tetrahedral sites in FCC: https://www.youtube.com/watch?v=ZQnzvKroLu0Octahedral and ...Diamond Credit Union offers a convenient and secure way to pay your bills, transfer funds, and manage your finances with CUI Pay. Log in with your NetBranch account and enjoy the benefits of online banking anytime, anywhere.For additional payment options and to avoid identifying yourself every time, login to online banking or create an account today. Identify Your Account. Member Number. Social Security Number (SSN) Vehicle Identification Number (VIN) Please complete the following to confirm your identity: Member Name. First word in Members First and Last name.It’s easy to become a member of Diamond Credit Union and to start taking advantage of the benefits of membership. You can sign up with our easy online application or by calling 610-326-5490 to speak with a dedicated Diamond representative. If you live, work, or attend school in Berks, Montgomery, Chester or Bucks Counties you are eligible for ...Open A Business Checking Account Online. Business Loans & Credit Business Account Benefits Business Growth Accounts Request Information New Account Checklist. 610-326-5490. 800-593-1000. Easily manage your business finances online with Diamond Credit Union. Choose from 3 options to pick the right business checking account for you.Some excellent and exhaustive reviews have detailed various aspects of individual diamond films, reflecting their tremendous advances in the past [2, 4, 6, 7∗, 8∗].Different from these comprehensive surveys on individual diamond films, this perspective revisits the synthesis of DCs, provides a guideline for their electrochemical … Up to 48 months. 6.49% APR. Up to 72 months. 7.29% APR. 73 months +. 7.99% APR. Apply For: Motorcycle Pre-Approval Motorcycle Purchase Motorcycle Refinance. For assistance, contact a Diamond Representative by calling 610-326-5490. Annual Percentage Rate (APR), Term, Loan to Value (LTV), and other loan determinations are subject to credit and ... In this work, Cu-diamond/Cu-diamond-Cu 2 NiAlAgZn bi-layer coatings were prepared via mechanical alloying on copper substrate, in which Cu-diamond was the inner layer and Cu-diamond-Cu 2 NiAlAgZn was the outer layer. The results revealed that the quinary alloy Cu 2 NiAlAgZn HEAs has simple FCC solid solution structure and the …Some excellent and exhaustive reviews have detailed various aspects of individual diamond films, reflecting their tremendous advances in the past [2, 4, 6, 7∗, 8∗].Different from these comprehensive surveys on individual diamond films, this perspective revisits the synthesis of DCs, provides a guideline for their electrochemical …Wij willen hier een beschrijving geven, maar de site die u nu bekijkt staat dit niet toe.There are more than a dozen different vendors listing over 1,000,000+ diamonds on PriceScope. Round diamond price chart is updated monthly. Shape: …We are happy to welcome a new President/CEO to Team Diamond, Rick Patel! Get to know Rick in our latest blog. #thatsyounity https://lnkd.in/eC7BZdBT | 15 comments on LinkedIn Who We Are. Diamond Valley Federal Credit Union is a full-service financial institution serving those who live, work, worship or attend school in Vanderburgh and Warrick Counties, or is an immediate family member of someone that does. Since our start in 1961, Diamond Valley FCU has grown by providing our members low cost products and services ... For the diamond/Cu composite of 50–60 vol% in Fig. 10 (a–c), the coated diamond particles are evenly distributed throughout the Cu matrix, and there is no obvious gap at the interface between the diamond and Cu matrix, suggesting that carbide interfacial layer contributed to the densification of diamond/Cu composites.Personal Banking Center Loans & Credit Center Home & Mortgage Center Investments & Financial Planning Center Business Services Division. Access your accounts easily in …Personal Banking Center Loans & Credit Center Home & Mortgage Center Investments & Financial Planning Center Business Services Division. Access your accounts easily in …Diamond Credit Union is a not-for-profit financial institution serving the people of Berks County and the TriCounty Area. When you become a member of Diamond...If you are enrolled in Diamond’s Netbranch Online Banking or Mobile Banking App. Pay Diamond loans online with a Diamond account. Pay Diamond loans online with a non-Diamond account. Make an easy, fast …The diamond/Cu composites were sintered by high‐temperature and high‐pressure technology, and the density of surface‐modified diamond/Cu composites was less than 4 g cm ⁻³ .7 Ways You Can Be Using Home Equity: Once you receive your funds, there are many things you can being using home equity for. Consolidate Debt – If you have several high interest loans or credit cards, using your home equity to consolidate debt may be a good option for you. Be sure to compare home equity interest rates with your …Become a Diamond Member. Open a Checking Account. Open a Savings or Club Account. Open a Money Market Account. You’ll also have the option to: Register for NetBranch Online Banking. Receive E-Communications (statements, notifications and alerts) Set up Direct Deposit to your new account. Protect yourself with Overdraft Protection.Mar 26, 2010 · Recover username | Forgot password? If you are having trouble recovering your credentials, please contact us at 1-855-862-4242. Secure & Easy Day-To-Day Account Management. Get equipped with all the tools you need to manage your financial accounts quickly, easily, and in the most effective way possible with all of our savings and checking account options. Additionally, NetBranch Online Banking provides the ability to open new accounts online. Download the App for easy ... Diamond is our outstanding molecular and crystal structure visualization software. It integrates a multitude of functions, which overcome the work with crystal structure data - in research and education as well as for publications and presentations. A new version 5.0 of Diamond has been released in October 2023.Diamond Credit Union will credit the member up to $300 towards their first payment after vehicle is financed through Diamond Credit Union. Offer void when 7-day Repurchase Agreement is activated. Offer valid only on Enterprise vehicles purchased 03/15/24 – 04/30/24. No cash advances. Offer cannot be combined.DETAILS. Make an easy, fast payment for your loan or credit line using any payment method you desire. 2014-2021 Diamond Credit Union. Accessing services constitutes …Up to 48 months. 6.49% APR. Up to 72 months. 7.29% APR. 73 months +. 7.99% APR. Apply For: Motorcycle Pre-Approval Motorcycle Purchase Motorcycle Refinance. For assistance, contact a Diamond Representative by calling 610-326-5490. Annual Percentage Rate (APR), Term, Loan to Value (LTV), and other loan determinations are subject to …

Cu-Diamond (DMCH) is a composite material of diamond and Copper. Although it has thermal expansion coefficient close to that of compound semiconductor material (GaAs and GaN), it has thermal conductivity higher than that of Copper. It allows the forming of various metallizing thin films for chip mounting and wire bonding. Properties. . Barcelona to london

diamondcu

If you experience any type of identity fraud or exposed account information, Diamond offers a free service to all members to assist in these types of cases. CyberScout’s AdviseProtectResolve program encompasses the following services: ADVISE – An on-call Fraud Specialist provides unlimited assistance to lock out thieves with proactive measures.Diamond/Cu composites are widely studied as a new generation of thermal management materials in the field of electronic packaging and heat sink materials. The surface modification of diamond can improve interfacial bonding between the diamond and Cu matrix. The Ti-coated diamond/Cu composites are prepared via an independently …According to RedFin, home prices in Pennsylvania were up 2.2% from 2022 to 2023. This is good news for anyone that owns a house. Since your home could potentially be worth more now than when you bought it, you could have even more equity. If you bought your home for $200,000, a 2.2% increase would put your house at $204,400.For additional payment options and to avoid identifying yourself every time, login to online banking or create an account today. Identify Your Account. Member Number. Social Security Number (SSN) Vehicle Identification Number (VIN) Please complete the following to confirm your identity: Member Name. First word in Members First and Last name.The Diamond/Cu composites with bimodal diamond particles reinforced were fabricated by vacuum pressure infiltration. The influence of diamond volume fractions on the microstructure, thermal expansion behaviour, residual Stress and dimensional stability of the composites were investigated by using scanning electron microscopy, X …With Diamond Credit Union's updated mobile app, you can view account balances, transaction history, transfer funds, pay bills, find branches, and deposit checks …If you are enrolled in Diamond’s Netbranch Online Banking or Mobile Banking App. Pay Diamond loans online with a Diamond account. Pay Diamond loans online with a non-Diamond account. Make an easy, fast … UNIQUE FEATURES: • 1.5% Cashback – every $1 spent = 1.5 Points. • Variable rates start as low as 16.50% APR**. • Earn points with every qualifying purchase. • Spend $1,000 in the first 90 days and earn 15,000 points = $150. • Redeem points for cashback or prestigious rewards, or donate your cashback to The Diamond Foundation. Fri: 9:00 am to 6:00 pm. Sat: Contact Center only 8:00 am to 1:00 pm (Branch Closed) Sun: Closed. Diamond is a full-service, award-winning credit union in Pottstown, PA. High quality, community-driven banking services for 75+ years. Join today.With Diamond Credit Union's updated mobile app, you can view account balances, transaction history, transfer funds, pay bills, find branches, and deposit checks remotely. … Diamond CU Wyomissing Branch 1500 Ethan Drive Wyomissing, PA 19610 . Phone Number: Click-to-Call: (610) 326-5490. Toll-Free: Click-to-Call: (800) 593-1000. Charter ... Business Services. Running a small business involves a lot of tasks that aren’t associated with the core purpose of your business. These small business financial solutions ranging from loans to everyday finances with additional services to assist in running your business. Local service team and decision-making offering small business banking ... The Diamond Mortgage Team is committed to getting you in the house by offering competitive rates, lower fees, fixed and adjustable-rate mortgages, plus a special program for First-Time Homebuyers. With today's competitive rates, if you're thinking of refinancing your mortgage, then contact the mortgage experts for some great refinancing options ... .

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