Okay but come on... how bad can it really be? Trees are trees, right? They're better than concrete. That Austin story sounds like a one-off mess. Most places just need more green stuff, and worrying too much about the perfect tree seems like overthinking it. People act like a few wrong plants will break the whole town's water.

Totally random stuff" isn't quite it. The replies were weird because they were almost right, but then they'd get a basic fact wrong in a way a person wouldn't. Like it would know the topic but mix up simple details everyone knows. It feels less random and more like something that almost understands, but doesn't. That's what makes it so unsettling to me.

But what if your buddy's ARM was the better deal for years before that spike, @fox.derek? He probably saved a ton with that lower starting rate compared to a fixed loan. Sometimes you gamble to get in the house and it just doesn't work out later.