The Unforeseen Cost of Variable Rates

There's not a lot of great solutions to this kind of climate. There are some moderately okay solutions, but we have had a lot of customers reach out to say, what do I do? What are my options? And so the only solution if they have some debt is to slap on a big second mortgage, which is going to cost them 12% interest. Well, your credit card at 18% is not even that much higher than the second mortgage. Most people don't really care about your three-year fixed rate today. They care about their two or three years from now when it will all be over. So getting to the root of the reason that they're reaching out is like