try taking off the heat shield first and checking out the cat. shield also. they are infamous for rattling. timing belt should be like a 90K mile maintainance thing (atleast it is for 5th Gens), costed me almost $500 for all oil seals/gaskets, timing belts, water pump, oil change and the whole 90K maintainance. i just recieved a notice from honda that they'll change the balancer shaft oil seal for free cuz of recall, but i already had all that changed at the 90K maintainance , so im going to wait until just before the recall expires in january and have it done again.