Yep.....Try to not go onto thin ice if you can help it.....Sit down,weigh out the hard facts on the gas mileage,time and what the new salary/wage could be. Sometimes,in the worst of times,changing a paid-off Home Base could be a regrettable move. Only you can decide ! Fortunately,right here,Counselers are standing by to assist you in weighing Pro's/Con's/Negatives/Positives and the General Malaise you've probably got on board right now ! PM's are a wonderful thing ! You're a Very Intelligent Critter,and you can kick this deal's rear-end ! Hang Tough,my Economically Challenged Brother !