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If payments didn't change that means there was a huge interest rate delta. Also, if you're ten years into a 30, then re-fi into 15, you only knock five years off...
I mean you had those periods in the 60s-70s where the market was flat. What the hell do you do for 10 years?
When interest rates were double digits in the 80s can you imaging the folks that bought 30 Treasury?
Illustrating the slowdown in inflation, the Consumer Price Index rose only 9.6 percent in 1981, down from 12.5 percent in 1980, and is expected to increase 7 percent this year.