i'm in the middle of getting a few quotes but it got me thinking... is this something i can tackle on my own or should i let the pros handle it? 
  
also... what is everyone's thought about the 15%? Should i just get the 17% or stay safe with the 15? are the gains that much more noticeable with the 17 over the 15?  what are the pros and cons to each? 
  
  
Thanks everyone!!