Hmmm. Well, if we have the desire to refi, I guess I'll check out the small guys.
Regarding bikes, what makes steel such a better experience? I know nothing about bikes, but a friend who does, says these guys have championed the steel frame, and apparently make fabulous bikes. Similar, it sounds, to the way ARC/CJ championed tubes back when transistors were taking over:
http://waterfordbikes.com/w/
Kind of a funny story. It is named after the small town in Wisconsin where my wife grew up. But she had never heard of them ... my biking friend was raving over this company, and was excited to hear she was from this town. My wife insisted there was no such company, she would surely have heard of it in her small town of 3,000! After we researched it, we figured out that it was, indeed in her tiny little town, but small town Wisconsin folk aren't too knowledgeable on high end bicycling.