 Hi, Roy Clinton, founder of Mortgage Solutions Financial. In the 1970s, the interest rates on mortgages were 17%. In 2021, they were down to 2.5%. Today, they're closer to 7.5%. Will they go up? Will they go down? That is unknowable. But credit card debt is an all-time high, and it's usually over 20%. So maybe you have a 2.5% interest rate right now, and you're afraid to lose it. But it might make sense to refinance if you have credit card debt.