I hope she is as healthy as she looks.  A healthy woman's body is beautiful.  Curves and fitness are sexy and she has both.  Best of luck to Ms. Refaeli and her new line, I'm sure my wife will try it out.

Why would the author assume everyone would stretch it back out to 30 years?  20 year and 15 year options are available.  I am in the process of a refi and our interest will go down 1 1/2 points, our term will be trimmed by 2 years and our payment will go down very slightly.  Should save $40k over life of the loan.