re: When to pay off the mortgage

That is correct. What is your point?

The question is becoming: why does this matter so much to you? You have now made it clear that you're starting to dig into my account history. Why do you feel so insecure that others cannot have a difference in opinion? This has now gone from just a difference of opinion to an attack on me, and my creditability. This is a mindset issue that you really should address at some point.
I have wasted too much time responding to you. Please feel free to think what you like. I will not respond again.

I wish you a good weekend.