OK, back at it. Nothing but blue skies ahead!
Well actually it's quite gloomy out and there are trees coated in bayou moss blocking out whatever sunlight does manage to make its way through the clouds.
You come to a fork in the road. In the middle of said fork is a sign. It says the left path is the "High APR" road and the right path is the "Low APR" road.
You have to make a decision.