| Okay, finally got a straight answer (though not without a little bit more confusion first).
 The ones that say "For 12 months", the rate is locked in for 12 months.  The others, the rate can change at any time.
 
				__________________'He who receives an idea from me, receives instruction himself without lessening mine; as he who lights his taper at mine, receives light without darkening me.' 
-TJ
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