With lower mortgage rates, monthly payments are smaller, which frees up cash. For example, for a mortgage rate of around 6% compared to 6.85%, the difference in payment on a $600,000 loan is about $310 per month.
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The same issues exist on the WritableStream side. A WritableStream has a highWaterMark and desiredSize. There is a writer.ready promise that producers of data are supposed to pay attention but often don't.