That could affect your rating anywhere from 20 to 60 points. And that in turn, could affect if you get a 6 percent mortgage or a 5 percent mortgage.

Even if you’re smart enough to close them down, the credit score will be damaged if you do more than two or three, and most people do.

In the long run it is no. No. It will definitely do more damage than that 10 percent to 20 percent it saves you.

One of Toro’s largest end markets — golf — appears to be poised for a long-awaited rebound. The residential piece of the market is gearing up for strong promotional activity, which bodes well for the...