english: You should have figured that out before you did it which I am sure you did since you waited a few years before refinancing.
non_english: ➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡. ➡➡➡. ➡➡➡➡➡➡➡➡➡➡. ➡➡➡➡➡➡➡➡➡➡. ➡➡➡. ➡➡➡➡➡➡➡➡➡➡. ➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡. ➡➡➡➡➡➡➡➡➡. ➡➡➡➡➡➡➡➡➡➡➡. ➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡