I'd like to make some serious improvements to my boat. The biggies are: 1. Leisure Furl $6k 2. New Sails (Goes with Item 1) $3k 3. Electric Main Halyard Winch $2k 4. Radar $2k 5. New Mattresses and interior upholstry ??k 6. New Canvas ??k I'm over $15,000 already by my estimation. I'll have a hard time working this under the admiral's radar as a lump sum. However, could I refinance my boat mortgage for the additional amount? Has anyone done this? It's either that or get a new boat, which would be much more expensive. Paul sv Escape Artist h336