. >> you want to speak to the past clients parisi what they have done.hey been there for five months are have they been there for five years? that is a key. gerri: everyone talks about the 30-year fixed-rate. but probably still people who want adjustable-rate mortgages, maybe they know for certain there will only be in the house for certain time. maybe people want interest on loans. what is available at the today? the whole range of product or our banks to scared of regulators to offer these products? >> everything for the most part is still out there. you have your fixed-rate mortgages, adjustable rate that range from ten years with and about just all-time. also have interest only. traditionally, 30-year fixes such a grid now, the enticement to take that is greater than may be taking a 51 arm thrust a lower interest-rate knowing that in your six are seven that could mature and will go up six 1/7 years from now when you could have that 34%. gerri: it's going to go up. it can go away at. if we have a big recovery, i think you're looking at inflation, you'