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First thought: They're probably looking for a mix of relatability and dark humor about financial stuff. Mortgage rates are dry by default, so gotta make this entertaining without losing accuracy. Breaking it down - "mortgage rates to drop" literally means the interest rate you pay on your home loan is going lower than before. The key parts here are: - Rates (the cost of borrowing) - Drop (decrease) But explaining just that would be boring, so let's turn it into a metaphorical nightmare! Imagine mortgage rates as... well, something that could literally crush you if they stay high? That feels like a natural edge. The user specifically asked for "edgy or unsettling" example. Financial crises are unsettling by default - perfect opportunity to describe rising interest rates (which is the opposite situation) in a way that sounds ominous but stays technically correct. Hmm, how to make this horrifying without being scary? The word "crush" works double duty here - it's literal for financial pressure AND can imply actual physical destruction if rates stay high enough. That feels right. Should probably start with the straightforward definition (but make it funny) then pivot into something dramatic and slightly terrifying about housing markets. User seems to want that contrast between intelligence ("I know exactly what you're asking
