I was not worried about banks at all. Not even a bit. It just seemed too much to hope for that they couldn’t get their collective heads around my 25-year mortgage. That mortgage meant that I had negative net worth, so I was actually hoping they’d screw up. Yes, I knew they had paper copies kicking around, but paper gets lost with frightening frequency.

I was a freelance programmer at the time. My main focus was on making sure that none of my contracts left me on the hook for anything Y2K related that wasn’t explicitly contracted for.