Angrboda's Profile
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Comics I Follow
![Lio](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/lio/small_u-201701251612.png)
Lio
By Mark Tatulli![Frazz](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/fz/small_u-201701251613.png)
Frazz
By Jef Mallett![The Argyle Sweater](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/tas/small_u-201701251611.png)
The Argyle Sweater
By Scott Hilburn![Baby Blues](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/bab/small_bab_u_202201031430.png)
Baby Blues
By Rick Kirkman and Jerry Scott![Sherman's Lagoon](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/shl/small_shl_u_202204051142.png)
Sherman's Lagoon
By Jim Toomey![Eek!](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/eek/small_u-201701251611.png)
Eek!
By Scott Nickel![Off the Mark](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/of/small_u-201701251613.png)
Off the Mark
By Mark Parisi![Phoebe and Her Unicorn](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/hev/small_u-201701251614.png)
Phoebe and Her Unicorn
By Dana Simpson![Breaking Cat News](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/bcn/small_bcn_u_201703201232.png)
Breaking Cat News
By Georgia Dunn![Stone Soup](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/ssc/small_ssc_u_202406241242.png)
Stone Soup
By Jan Eliot![Fred Basset](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/tmfba/small_u-201701251612.png)
Fred Basset
By Alex Graham![Broom Hilda](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/tmbro/small_u-201701251612.png)
Broom Hilda
By Russell Myers![Garfield](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/ga/small_u-201701251612.png)
Garfield
By Jim Davis![Calvin and Hobbes](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/ch/small_u-201701251613.png)
Calvin and Hobbes
By Bill Watterson![B.C.](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/crbc/small_u-201701251612.png)
B.C.
By Mastroianni and Hart![For Better or For Worse](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/fb/small_u-201701251612.png)
For Better or For Worse
By Lynn Johnston![JumpStart](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/jt/small_u-201701251613.png)
JumpStart
By Robb Armstrong![Betty](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/bt/small_u-201701251613.png)
Betty
By Gary Delainey and Gerry Rasmussen![Pickles](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/wppic/small_u-201701251611.png)
Pickles
By Brian Crane![Pearls Before Swine](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/pb/small_u-201701251613.png)
Pearls Before Swine
By Stephan Pastis![Baldo](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/ba/small_u-201701251612.png)
Baldo
By Hector D. Cantú and Carlos Castellanos![Luann](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/lu/small_lu_u_201803261056.png)
Luann
By Greg Evans and Karen Evans![Luann Againn](https://avatar.amuniversal.com/feature_avatars/ubadge_images/features/lua/small_u-201701251614.png)
We do have loans, but interest rates aren’t so far as I know set by some sort of personal evaluation. Granted I’ve only ever had our mortgage which was fixed rate, but even if you choose one with a variable rate, that rate is set by the bank, not your personal finances. As I recall when we got it we could choose to pay it in ten years at one rate, twenty years at a slightly higher, or thirty years at a slightly higher still. Obviously there was an evaluation by the bank of our economy, but it didn’t get summed up into any sort of specific value. It was just ‘yes, these people are credit-worthy, this is how much we are willing to let you borrow’. It’s just a different system from yours, so the term ‘APR’ means nothing to me, but I guess it does the same thing.