 You choose to hang in there with your person or you make the choice to visit Stoodle's and receive an immediate bonus of 16, 18, or 20%. Real money. Your banker pays you 4 or 5% for a few months or you choose to visit Stoodle's and get 7.25% interest first year and 6.25% for years 2 through 5. Seriously. You may be making your choices with your heart.