I did not follow any of your steps except #1,3,10,13-16.

I got lucky. In the future I will do it exactly, step by step, as you mentioned. I also suggest going the way of a trust.

For those who don't know, take from a guy who has gone through the process...following these steps can save you loads of grief.

Orion Arms Rocks http://www.orion-arms.com/new/

For what its worth, I have yet to see a better quality complete lower than LMT.