I'm so over the subprime lending rate. Now, tell me again, exactly what is the subprime lending rate? No, wait! What am I thinking? Please don't tell me any more about the subprime lending rate. My eyes started glazing over months ago. I don't want to know what it is. I don't want to know why it is. And I especially don't want to know how it will be the ruin of my financial life. Just surprise me.