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Looks like it's time to lock in for those you like that sort of thing, no that there's anything wrong with that!

To whom??? Might not be great value when rates drop another 0.5 to 0.7% and you can get VRs on professional packages at around 5.2% at that point. If the banks are dropping their FRs to less than the VRs they must be seeing more downside to VRs than the FRs are being offered for.