Haha true, mortgage lasts longer kaa beerna pilngadiiba. Then again, gan jau ka conscientious vecaaki nevar atstaaties no beerna un grib pamaciit un paruupeeties arii tad kad mortgage nomaksaata. Then again, jaa, to var dariit arii neatkariigi, maajaas gan jaadziivo liidz naave vai ilgstoshs birokraatisks process muus shkjirs. As always you are very realistic and thus right.