[1] Hugo did not have the luxury of sitting with this information. [2] I am going to send the information. You should read up on it regardless. If you are interested in purchasing a home, I can assist you. The school year will be over soon and I will have more time on my hands. [4] I have some [...] reading material you should also read. You are welcome to borrow them if you promise to be careful. Your girlfriend is welcome to them as well, as I imagine she may like to know what to expect when you're expecting.