I am sure every one can now have a less stressful Christmas
We have reached the summit and for the next 2 years ( my opinion ) rates will be going down.
I expected a 1% drop, but far be it from me to dictate to our governor.
Is this too little to late, I believe for most the relief came to late and many over indebted consumers lost the homes.
It is not the end of the world and in 5 years your difficulties will be just a memory