" Which makes sense," Jen said."What I would prefer to do is to give you a large down payment," Brock told her. "Otherwise, even at four percent, you'...e going to pay more in interest than the principle over 30 years."At this point, Jen started to shake her head."Hear me out," Brock protested. "I have reasons for wanting to do it this way." I won't take a 30-year mortgage," Jen insisted. "You wind up killing yourself on interest. It makes more sense to pay a little more toward the principle over. There was a light switch in the hall, right where you'd expect it to be. Even though it wasn't a long hallway, there were two light fixtures in the ceiling. So far, I hadn't seen an old fashioned light bulb anywhere in the apartment. Everything was energy efficient.The bedroom was also finished. I could see our back yard out one window, the next door neighbor's house out of the other. Once again, the light fixtures were controlled by a dimmer switch. There were two lights with one rotating knob. More

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