I remember when we bought our first house and when we were sitting in the office with a couple of ladies signing all the final 100 pages of paper work and then we came to the page that had the total on it after 30 yrs. I grabbed my wife and said did you see how much were going be paying for this thing.Both the ladies across from us said ,yah, dont look at that number.Heck thats all i could think about at the time and it hasnt ever left.The next wont be that way,that "extra" money is going in our account.