[legion]

I have a 30-year fixed. Every year I get my coupon book, by monthly payments decline--mostly because I've been overpaying principal and they are re-amortizing the mortgage to keep the 30-year term. I still keep paying the same amount I've paid since month #1. At this point it's nice to know that if I had to I could drop down to paying the "normal" payment a free up a few hundred dollars a month.

I'm also prepaid on my student loan up to 2012. That is going to get to the point pretty soon where I'm just going to write a check for the balance...