Manipulation in today's economic world, no way! Yes, all the time is a real answer, like many other things!

Hello Caroline Gerardo - thank you for this information.  

You should be able to transfer that to AR now. 

Very interesting Caroline.  LIBOR maniputlated. That somehow doesn't surprise me these days.

Caroline Gerardo good information to know about SOFR Index.

I do not recall having to explain the adjustments.

Most of my clients have used fixed rate mortgages.

When I clicked on your link, Caroline Gerardo, it simply took me back to the Q&A and your question.

Thanks, Caroline, for the information. At the end of the day, I have my clients speak with their lenders to really get the explanations right. I know enough about adjustable rate mortgages to know when might come into play and enough to be dangerous.

You are a wealth of knowledge in this area, thanks for sharing.