I have a Hulk outfit that's a kelly green shirt and purple corduroys. When I first started doing it, I felt conspicuous. Now I give no fucks.

I want a Hulk outfit! I already wore my Wonder Woman outfit this week.

Plei, I hope your house selling hits a smoother patch ASAP.

Avengers theme outfits are good to have. I wear the Hulk outfit on days when I have meetings that probably are going to make me angry. I go Captain America colors when I need encouragement to be a better person and not set everything on fire. Hawkeye purple when it's failboat time. Black Widow when it's murder time. Iron Man days are just straight-up Iron Man T-shirt days.

It just occurred to me that I don't have a Thor. I need a Thor!

In other news, I'm at Union Station waiting to get on a train to Michigan.

I tend to layer Cap under my Black Widow jacket.

I wear the Dzing! circus-smell perfume when I need to be all Oh coffee, no. about things.

High of 38 yesterday. It will be in the 60s on Saturday. The new winter standard.

I want to be shrift and Plei when I grow up.

I need a reality check. I spoke with the mortgage gal at my credit union on Monday morning. She said she needed to do some research on the co-signer aspect as that is a new thing they are offering. She said she would get back to me later that day. I called yesterday afternoon after not hearing from her. I got her voice mail and left a message. I still haven't heard from her, so I sent her an e-mail a couple of hours ago.

I wanted to stick with my credit union because I would rather support them than some mega bank. But I'd like to get the process moving so I can officially start house hunting. Or, if I can't get qualified, then apartment hunting.

Am I being unreasonable in my expectation of response time?

I don't think that's unreasonable. She may have had some kind of emergency that took her away from the office, but I'd still expect some communication within a day or two.

I'm with Zen. Communication is key.

One thing is bothering me though. Co-signing on loans, including mortgages, is not a new thing. What do they do about married folks?

Not all mortgage brokers work with large banks, and there's a good chance that your mortgage would be sold before your first payment is due, even with a credit union. Your servicing company could also change. Your realtor may have suggestions for you. Mine gave me a list of people to contact, and all of them were local lenders. I never once dealt with the Wells Fargo, Bank of America, or PNC monstrosities when I bought the house in PA.

I actually chose my mortgage credit union by which, of the CUs and banks I initially contacted, had the most responsive representative. Seriously, she answered my voice mail after 6pm on a weekday.

I was offered the opportunity to attend the philly flower show, but I'd have to pay for the ticket. What's the point of being a staff member on a staff-led trip if I don't get it for free? I'm paid peanuts, please don't recruit me to make your departments budget, jerkwad.

Maria - I think it is the co-signing, but not residing that is the issue. But really - seems odd for that to be new. I'm mainly using my dad for his good credit. I have the income to cover the payments.