My concern that has prevented me from looking into it is that I put 20% down on my house, so I don't have to have PMI. But if I refinance, I'm not sure it would assess for the same amount, and I might have less tha. 20% equity.

I thing you should look into it, then, and find out. If you keep your equity and you don't have to pay closing costs/fees, I don't see a downside.

Thinkers are ungrammatical. They're like the Bush people with that wordism I forget because I need to.

Dude. "If you think blah you have another thing coming." How does that make any sense?

If you think it's "if you think blah you have another thing coming" you have another think coming.

I see what you did there, Zen.

But for this Descriptivist, I think you've got to bow down and kiss the glove of Rob Halford.

I don't know who Rob Halford is, but if he thinks it's thing, he can kiss my... glove.

"THINK" is not a noun. It would be "thought."

Don't make me get all zombie jaw on your asses.

I don't like it when Mommy and Daddy fight.

"THINK" is not a noun. It would be "thought."

It's not supposed to be grammatical, it's supposed to be amusing! It's a play on words! Why is there no whimsy in your soul?

We'll always have fang lewdness, Amy.

It's not supposed to be grammatical, it's supposed to be amusing!

When you leave grammar, you've gone to the dark side.

"THINK" is not a noun. It would be "thought."

It's an idiom! Damn!!

Aha! Think is a noun. Or was when the saying originated - [link]

“Think” is a noun as well as a verb. “Think” the noun first appeared around 1834 meaning “an act or period of thinking” (“Let’s have a cigar and a quiet think,” 1891), and, by 1886, “a thought” or “an idea” (“A thing must be a think before it be a thing,” 1887). We rarely see this noun form of “think” today (outside of this particular phrase), but in the late 19th century when the phrase became popular, “another think coming” would have been understood as equivalent to “another thought coming,” i.e., a change of mind.