Assume for this question that the Daltons do not intend to get divorced. The Daltons have stated that they intend to keep their vacation home until retirement, and to make it their permanent residence once they retire. The Daltons have also stated that they are comfortable using a mortgage as 'leverage' to help grow their overall net worth, but would like to be debt-free when they retire in approximately 10 years, even if that means paying off their outstanding balance in a lump sum at that time. In light of this, the Daltons should: Pay off their mortgage immediately Refinance their mortgage to a 10/1 ARM Refinance their mortgage to a 30-year fixed-rate loan O Maintain their current mortgage as is