never borrow using adjustable rate loan is a myth. you really have to look at, again, what your life about? if you are somebody that may get bonuses from one year to the next, it may be better for you to use a loan product where you can pay down a loan faster. maybe that means adjustable rate loan. maybe that means it s an interest-only loan that allows you to put one lump sum down and it adjusts your money payment once you have done that. so your cash flow from one month to the next might get better for yourself. again, it really depends on what your life is all about. that s what i tell my clients is, you know, i can t sit here and tell you that this is not a good loan for you because your life is different than somebody else s. julie: last one. we have got to make it quick. buy low and hold for decades. yes. this is something people really need to be careful of. you can t buy and hold any stock