For what is the point of going to work everyday, earn an allowance or salary but struggle to get by in life with all the pressures that come with it. You have acquired a technical skill here that has prepared you well for a working career in a competitive job market.
These gains have been important to the ongoing extraction of home equity for consumption and home modernization. The pace of such extractions likely dropped in response to the decline in refinancing activity that followed the backup in mortgage rates that began in early November. But mortgage rates remain at low levels and should continue to provide support to activity in this sector.