jeeman, that’s two years of interest at 5% per year. Too the rest of you, thanks for your insights. Please don’t look down on me because I was smart enough to save money during my lifetime and have comfortable options now. I am not a compaliner, but rather a doer. And it just frustrates me lately that I can’t “do” as planned because of a stubborn housing market that refuses to go down (in my area). And by the way, I drive a Jeep, not a Rolls.