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			@Andrew___Baker @arpitrage @paulgp FWIW, I refinanced. Relative to mortgage refi, deciding’s actually not so bad to back-of-the-envelope since kappa is very low (unless you’re really lazy or a credit inquiry will matter for your scores), and there’s no tax implications. All in, probably took me <1 hr and $0.
 lukestein’s Twitter Archive—№ 3,695
lukestein’s Twitter Archive—№ 3,695