The world lived and DID QUIT WELL WITH RATES IN THE 50'S 60'S AND 70'S AND THEY WERE IN THE 4.7-7.5 RANGE https://fred.stlouisfed.org/series/PRIME you PUPS JUST GOT USED TO fkn STUPID RATES and ONCE those stupid rates hit it was BOBVIOUS they were gonna go up, when it got stupid cheap had both my kids refi and told them they would be happy as pigs rolling in shit with their 4.4 and 5.2 % rates