For people who have better things to do with their money. to people entering her immedi- ate physical space," Ms. Cook said. "Despite her limited com- munication skills and some very unconventional methods of corn- municating, she endeared her- self to many members of the staff. She spoke a combination of English and Yiddish, but rarely finished a sentence." It was difficult assisting a woman who often communicat- ed by screeching and could no longer be driven to JVS because her behavior included lunging forward and scaring the volun- teer drivers. JVS staffers, including the ac- counting depal Liiient, who oth- erwise would have no direct contact with clients, started as- sisting her outside of work. They began taking turns dri- ving Ms. Zolotow to the program, and her case manager moved her into a local nursing home. Yearly parties were planned by the accounting department for Ms. Zolotow, who often spent holidays with staff members. They also pooled money to pay for some of her transportation costs. When Ms. Zolotow was diag- nosed with lung cancer, her doc- tor had no blood relatives to call. The phone call went to one of Ms. Zolotow's adopted family mem- bers at JVS. This past New Year's Eve, when Ms. Zolotow was dying, a staff member went to the hos- pital to be with her. Ms. Cook knows little about Ms. Zolotow's background but is anxious to put the pieces to- gether. The details she has learned so far are sketchy and unconfirmed. She heard a bus accident claimed the life of one of Ms. Zolo- tow's parents and left a sibling institutionalized with brain dam- age. A relative took care of Ms. Zolotow for as long as he could, then contacted someone in the Jewish community. From there, she lived with an older woman in Oak Park for a decade. When that woman died, Ms. Zolotow was placed in a home by this woman's son, who was also Ms. Zolotow's first legal guardian. "I don't know why it matters to me, but it does," Ms. Cook said. "I have this need to know if she ever lived a normal life. Did she live in a house with her family? Did she laugh? Does she still have a sister who is alive? This is a mystery I'd like to be able to solve." THE NO POINT/NO FEE MORTGAGE FROM STANDARD FEDERAL BANK. Buying a home is a wise choice. But that's not the end of it. There are all the expenses after you move in... from paint, wallpaper and furniture to landscaping. And after paying points and closing costs, you may not have enough money to do the things you'd like to do. That's why Standard Federal Bank offers the No Point/No Fee Mortgage. It's ideal for buyers who can afford the down payment and monthly mortgage payment, but may need help with closing costs. But it's not just for first time buyers. The No Point/No Fee Mortgage also provides people who are moving up with a little extra cash for redecorating and other essentials. Or simply for that vacation next winter. When you apply for your mortgage, you'll be asked to pay a 0 Helping You Along The Way'" Standard Federal Bank Savings/Financial Services 1-800/643-9600 Correction The Beth Abraham Hi Ilel Moses open house, scheduled for Aug. 14, will run from 11 a.m. to 2 p.m, Unofficial election results indicate Lynn Shector, a write-in candidate for the 12th District Oakland County Commissioner seat, did not receive enough votes to ad- vance to the general election. $250 application fee which will be credited back to you at closing!' And you won't have to pay the following customary fees: : • Credit Report • $350 Closing Fee • Recording Fees • Survey Fees . (where applicable) • Mortgage Title •Insurance Fees • Pest Inspection (where applicable). Plus, the No Point/No Fee Mortgage option is available with a variety of Standard Federal mortgages, including: • 30-year Conventional Fixed Rate • 15-year Conventional Fixed Rate • 10-year Conventional Fixed Rate h• 7/23 Balloon Loans • 5/25 Balloon Loans. Adl After you've met with your Real Estate Agent, call or visit a Standard Federal Banking Center and ask about the No Point/No Fee Mortgage. After all, you've got better things to do with your money. Member Standard Federal C t *You will be asked to pay other fees associated with your mortgage application and closing: such as tax escrow, odd clays interest, PlvIl premium (if applicable), FDIC LENDER hazard insurance. inspection fees on new construction) and the tax escrow waiver fee (if applicable). A Reservation Fee may be required for a commitment over 45 days. A fee equal to 1°,0 of the loan amount. which will he credited at the time of closing. will be required for a floating interest rate commitment. You may be charged an appraisal fee and attorney fees if the property is not located in our normal lending area or is a two- or four-lamilv dwelling. If you pay Your loan off within the first 60 months. you may he charged a prepayment penalty equal to 2L;0 of the outstanding principal balance. ©1094 Standard Federal Bank.