12. Is it possible for a taxpayer to have more than one loan that is treated as acquisition indebtedness for tax purposes., even if one of the is considered to be a "home equity loan" by the bank lending money? 13. Why might it be good advice from a tax perspective to think hard before deciding to quickly pay down mortgage debt? 16. Is the break-even period generally longer for points paid to reduce the interest rate on initial home loans or points paid for the same purpose on a refinance? 18. Harry decides to finance his new home with a 30 -year fixed mortgage. Because he figures he will be in this home for a long time, he decides to pay a fully deductible discount point on his mortgage to reduce the interest rate. Assume that Harry itemizes deductions and has a constant marginal tax rate over time. Will the time required to recover the cost of the discount point be shorter or longer if Harry makes extra principal payments starting in the first year (as opposed to not making any extra principal payments). Explain