Anticipation served up frozen

It is way  way cold here in Newfield today.  The little electric heater ran all night to keep the ice house at 62 degrees.  Channi and I were snug under down comforter of course but my dreams were full of anxiety.  I handed in my application for a construction to permanent mortgage the other day and passed the credit check and ability to pay hurdles, but have to wait for an appraisal of what the value of the improvements and property will be.  All the appraiser has to go on is the architect's plans since I am borrowing more than the current value of the property.  With the economy and real estate market in the condition it is, I am really nervous.