(no subject)

AAAAAAAAARGH! I've just realised the Cradle of Filth concert I had tickets for is TONIGHT, and started an hour and a half ago. Why the hell am I so dumb? And why did I have to realise NOW? Couldn't I have realised in a few days time, so i'm not sitting here knowing that there's a concert going on RIGHT NOW that I could be at?

(no subject)

Does anyone reading this have any experience/knowledge of mortgage companies? I'm just wondering how most lenders calculate how much they're willing to offer for a mortgage, whether it's based on pay, how many times my yearly pay the mortgage can be, etc...would be grateful for any info :)