Index: lucene/src/test/org/apache/lucene/index/TestIndexWriterConfig.java
===================================================================
--- lucene/src/test/org/apache/lucene/index/TestIndexWriterConfig.java	(revision 982528)
+++ lucene/src/test/org/apache/lucene/index/TestIndexWriterConfig.java	(working copy)
@@ -134,7 +134,7 @@
   public void testConstants() throws Exception {
     // Tests that the values of the constants does not change
     assertEquals(1000, IndexWriterConfig.WRITE_LOCK_TIMEOUT);
-    assertEquals(128, IndexWriterConfig.DEFAULT_TERM_INDEX_INTERVAL);
+    assertEquals(32, IndexWriterConfig.DEFAULT_TERM_INDEX_INTERVAL);
     assertEquals(Integer.MAX_VALUE, IndexWriterConfig.UNLIMITED_FIELD_LENGTH);
     assertEquals(-1, IndexWriterConfig.DISABLE_AUTO_FLUSH);
     assertEquals(IndexWriterConfig.DISABLE_AUTO_FLUSH, IndexWriterConfig.DEFAULT_MAX_BUFFERED_DELETE_TERMS);
Index: lucene/src/java/org/apache/lucene/index/codecs/standard/SimpleStandardTermsIndexWriter.java
===================================================================
--- lucene/src/java/org/apache/lucene/index/codecs/standard/SimpleStandardTermsIndexWriter.java	(revision 982528)
+++ lucene/src/java/org/apache/lucene/index/codecs/standard/SimpleStandardTermsIndexWriter.java	(working copy)
@@ -80,7 +80,7 @@
     final long termsStart;
     long packedIndexStart;
     long packedOffsetsStart;
-    private int numTerms;
+    private long numTerms;
 
     // TODO: we could conceivably make a PackedInts wrapper
     // that auto-grows... then we wouldn't force 6 bytes RAM
@@ -90,6 +90,8 @@
     private long lastTermsPointer;
     private long totTermLength;
 
+    private final BytesRef lastTerm = new BytesRef();
+
     SimpleFieldWriter(FieldInfo fieldInfo) {
       this.fieldInfo = fieldInfo;
       indexStart = out.getFilePointer();
@@ -103,9 +105,21 @@
       // First term is first indexed term:
       if (0 == (numTerms++ % termIndexInterval)) {
 
-        // write full bytes
-        out.writeBytes(text.bytes, text.offset, text.length);
+        // we can safely strip off the non-distinguishing
+        // suffix to save RAM in the loaded terms index.
+        final int limit = Math.min(lastTerm.length, text.length);
+        int minPrefixDiff = 1+lastTerm.length;
+        for(int byteIdx=0;byteIdx<limit;byteIdx++) {
+          if (lastTerm.bytes[lastTerm.offset+byteIdx] != text.bytes[text.offset+byteIdx]) {
+            minPrefixDiff = byteIdx+1;
+            break;
+          }
+        }
 
+        // write only the min prefix that shows the diff
+        // against prior term
+        out.writeBytes(text.bytes, text.offset, minPrefixDiff);
+
         if (termLengths.length == numIndexTerms) {
           termLengths = ArrayUtil.grow(termLengths);
         }
@@ -119,14 +133,19 @@
         lastTermsPointer = fp;
 
         // save term length (in bytes)
-        assert text.length <= Short.MAX_VALUE;
-        termLengths[numIndexTerms] = (short) text.length;
+        assert minPrefixDiff <= Short.MAX_VALUE;
+        termLengths[numIndexTerms] = (short) minPrefixDiff;
+        totTermLength += minPrefixDiff;
 
-        totTermLength += text.length;
-
+        lastTerm.copy(text);
         numIndexTerms++;
         return true;
       } else {
+        if (0 == numTerms % termIndexInterval) {
+          // save last term just before next index term so we
+          // can compute wasted suffix
+          lastTerm.copy(text);
+        }
         return false;
       }
     }
Index: lucene/src/java/org/apache/lucene/index/IndexWriterConfig.java
===================================================================
--- lucene/src/java/org/apache/lucene/index/IndexWriterConfig.java	(revision 982528)
+++ lucene/src/java/org/apache/lucene/index/IndexWriterConfig.java	(working copy)
@@ -55,7 +55,7 @@
   public static enum OpenMode { CREATE, APPEND, CREATE_OR_APPEND }
   
   /** Default value is 128. Change using {@link #setTermIndexInterval(int)}. */
-  public static final int DEFAULT_TERM_INDEX_INTERVAL = 128;
+  public static final int DEFAULT_TERM_INDEX_INTERVAL = 32;
 
   /** Denotes a flush trigger is disabled. */
   public final static int DISABLE_AUTO_FLUSH = -1;