I actually purchased my VX in the Spring of 1999 (around May, I think?) and it's taken me this long to pay it off! About 6 months ago I was looking at my long term finances and realized if I bumped up my payments I could have it paid off by Jan 1st, so I guess it was sort of an early new years resolution.

OH, and BTW, get back to work!! I'm looking forward to seeing how your conversion works out (and an extensive HOWTO for all us budding DIY'ers).