Perhaps the best stimulus of all. Dropping your rate over 1% will propbably put over $3,000 per year back into your pockets. Pockets of a financially responsible consumer w/ equity in their home that can be re-invested or unleased back on the economy. There are plenty others just like you. More like you than the underwater irresponsible crowd though uberbears find that hard to beleive. Congrats to you and keep on doing what your doing.