I think the answer is A. Your interest rate changes annually, therefore, you may be able to get a lower rate.
Explanation:
The main advantage of a fixed-rate loan is that the borrower is protected from sudden and potentially significant increases in monthly mortgage payments if interest rates rise. Fixed-rate mortgages are easy to understand and vary little from lender to lender.
Winnie could live for ever However, that could go either way For example, a pro would be that Winnie can't ever die Or you could do That Winnie will live forever and watch how everyone dies throughout the world