I took the risk last year of taking a 5 year mortgage at 1.7% because the upside of the rates going further down was nothing compared to the risk of going up and the premium compared to 2 years was very small. I strongly suspected that the end of the good times was near, but this surpassed by expectations. It is a significant mortgate and I'm currently not excluding that rates might be in the 10% in 4 years. It is not going to be fun.