11:30

and it's still freezing outside.....32 degrees with a windchill factor down to 24 degrees.....so a walk wouldn't exactly be comfortable.....I did see Emily at the library and she gave me an instruction sheet for setting up e-lending .....haven't done it yet since my internet connection is glitching again....I might go look at Radio Shack for replacement equipment modem/router wise.....at least it's warm in the Jeep, it has a good heater.....got mail from the bank reminding me a CD is rolling over on the 17th.....I doubt if any decent interest rate will be available....oh well, it sounds like several euro-nations are in worse shape than I am, credit-wise anyway.....