A man walks into a bar and says, "Free drinks for everyone! I just made my last mortgage payment." Everyone congratulated him and rushed for the free giveaways except for one of his friends who walked over and asked, "You just bought the house a few months ago and said the rate was so high that you were barely making your payments; How could you have finished so fast?" The man replied, "I never said I was finished; I just said it was my last payment.