[rodgerd]

> Paying down the mortgage with the rates we have now, aside from personal security, don't make much sense to me.

You must be quite young. The 25-30 year window most people are now taking mortgages out can cover dramatic economic swings. Thirty years ago mortgages in my neck of the woods were up around 20%.

Assuming that rates will be this low forever is like believing we were in a "long boom" in 1999.