Today's lead question was crafted so nicely that I decided to forgo the usual introduction to the column and let reader Melanie Mackin do it for me:

Question: Recently, we purchased a rehabbed house where mechanicals, the roof, windows, and the like were pretty much all replaced. When we asked our real estate agent for a disclosure from the buyer, the agent said there wasn't one because it was a rehab.

A few weeks back, I wrote a brief article for the daily Business section about a complaint filed against Wells Fargo by the Pennsylvania Human Relations Commission, which accused the lender of engaging in predatory-lending practices, primarily in Philadelphia's African American neighborhoods.

It was something that did not surprise me - I have reported it many, many times. Yet because a minuscule number regularly accuse people facing foreclosure of somehow deserving it, the fact needs to be repeated:

Question: We are remodeling the kitchen in our 1893 house. We would like to have the space our hot-water radiator is taking up. It is 50 inches long by 25 inches high by 8 inches deep. What would be our alternatives? Would under-the-floor heat be enormously expensive? We do have some wall space planned that could accommodate the flat wall-hung-style radiator, but do you know anything about them? The kitchen is about 12 feet by 14 feet with 10 feet of ceiling height.