Nope, nothing else I can do, and it's actually not borrowing, it's liquidating it. It will cost me 20% in taxes off the top, which I'm not worried about with my puny income, I'll get most of it back. No 10% penalty if I use it as a downpayment on a house, which I intend to do. Right now, having a home that is mine is far more important than any other consideration.
