I PAID OFF MY 08 TODAY!!! It's so nice to have that weight off my shoulders. I got a refund check from my school so I used that money to pay off the bike. The next call I made after the bank was to the insurance company. Was able to drop from mandatory full coverage because I owed on it from $1300 a year to $140 for the year. I feel much better...maybe I'll throw a party in celebration