text:  I'm just wondering, I took out a 30-year. I know you guys recommend a 15-year, but I was... I would pay it off then, as soon as you can pay it off. I wouldn't refinance it just to do that. But you're 24, it's the first time you've done this. The first time you do anything of scale or size, you feel the weight of it. That's normal. You should. That means you're wise. If you didn't feel a little bit of pinch...