We paid it off with each use for awhile with it. We were free of it in 1997 entirely when we moved here and then in probably the spring of 1998 we went back to charging, paying off and finally building it up to around $10,000 taking care of dmil after dfil died in January of 1999—started out helping with the funeral and then little bits here and there to help her through “rough patches” and finally all out assault build up starting in 2006. They really got us on stupid tax on it.