1. You've got some reading to do about how banks are going to deal with bank failures after the fiascos of 2008. start with: https://www.investopedia.com/terms/b/bailin.asp

2. You're right, which is part of why we bailed on the situation while the real-estate market supported our exit and converting the assets into something real.

3. the time it buys you depends on it's value.

4. Zero mortgages right now actually. you're not a careful reader.