That's a nice thought Gormuu, but this year money is really tight. We have 15 months to run on our mortgage and our Endowment Insurance, in line with many others, has failed to perform as well as it should and therefore we are currently pumping as much as we can into our mortgage to make sure it will be cleared by May next year. Then after 25 years our house will at last belong to us. It's hard, but it will be worth it.