Ah yes, good old hindsight. I got some at 3.0% in 2001, but some people were even "luckier" and got 3.6% for a brief period (6 months) in 2000.I have to wonder if they are going to set the fixed rate to zero on May 1'st (or maybe even negative :-)))At least we've all learned and now know when 1.2% is a good deal.
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