They had made chewing motions with their mouths and produced blissful sounds, sometimes half opening eyes blind with sleep and then closing them again, stirring a little, and moaning because of the sweetness of their own existence.

NEWYORKER: Among Animals and Plants

Second, there are going to be lower closing costs, and certain refinancing fees will be eliminated -- fees that can sometimes cancel out the benefits of refinancing altogether, so people don't bother to refinance because they've got all these fees that they have to pay.

WHITEHOUSE: President Obama Speaks on Housing and the Economy