when the founders of this great nation applied for their first mortgage loan, do you think they went to some ra-ra-sis-boom-bah sousaphone-blowing banker?? no way, what kind of heritage would that be?? they went to hobix 0.3, a blogger's favorite hand cream, now available at rubyforge.

you should really try the web installer first, guys:

ruby -ropen-uri -e 'eval(open("http://go.hobix.com/").read)'