Nide day for trail running on Tiger mountain! Paragliders were enjoying the conditional instability and light winds!

Nino 3 hits +4c for the first time ever

Nice day at Newport Beach

Same, and I'm a January 2024 housee.

When you compare rates from the past that isn’t too bad. The 70’s - 90’s they were in double digits a lot of the time. 12% back then was a common theme. People go off recent memory with the low af rates of late 2010’s and early 2020’s. Hasn’t always been like that. Then again, houses were bought on a one income family fairly easily back then as well. Economy went upside down in the last 30 years.