[Chaz]

Thanks guys for the replies! I think you are right that it makes more sense NOT to pay it down faster, or to pay it off early. I was troubled by a couple of things. One, is it the financially sensible thing to do, or not? (Answer: not necessarily) Also, I was concerned that doing so really shows a lack of imagination! (Not saying that having the cash invested in Apple stock is all that imaginative, though!) Maybe I'll brainstorm a bit more, like that group living in the posh pad on Bali...