Hans, there is a time to buy and there is a time to wait. A few weeks ago it was the time to buy:) I have a long time before pay off. Yours will be longer than mine. Big deal. You should do well if you hold long enough. I witnessed the run up in the 70's . I have owned gold and silver since the mid 60's. You do not know me and probably never will.............We are both long and the road has been cleared of a few obstacles. What else matters now. Peace. I have a very tough hide. Keep it coming if you wish. Cheers, Russell