Kick ass deal get it and put into it if ya have it. I've been putting in 15% for a bit and recomend it. So I am having a new addition next month and was gettin the hairy eye from the ol lady as to how to get all the stuff we need for the last 6 months. Month 7 go upstairs and take out a loan from the ol 401. Fill up the joint with all the goods that are needed for the new one, get a car, puter, a few other needed items and still have money to put in savings. 8% interest, all taken out before taxes and my pay is $25 less than normal. Hell ya.