01-01-2013 07:20 PM - edited 01-01-2013 07:21 PM
<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC/" border="0" width="75" height="100" align="right">
New to the garden, hey all! No apps till 2014 or later!
