If I'd have known that the Federal Government and the Federal Reserve would keep adjustable rate mortgage rates low (in order to cater to the fat cat banks and super rich predatory financiers) I would have gotten an adjustable rate mortgage. Like an idiot, I got fixed.

I didn't know an adjustable rate was fixed plus or minus a half of percent. Incidentally, isn't it the job of government to regulate business so this kind of thing doesn't happen? Republicans pride themselves on the fact that government is inefficient and ineffectual. It's less a philosophy and more an admission.