OK CP, as Ricky Ricardo will say, splain yourself! :-)

How did the pond in adding $25k to the value of your house reduce the loan
period by 10 years! If it is true, then my whole freaking yard becomes a
lake by the end of next week!

He... well it was a combo of interest rates plus dropped P.M.I. (you
know, that mortgage insurance they rip new home buyers off with). We
bought 2 years ago, dropped it all, got 20 point value on the house...
because of the pond!

So, since the fishies have paid for themselves they're getting an
upgrade