historically low rates

it's bad news,
the early call, the late night call.
it's never good.
sometimes it's
a medical issue,
an accident, a death,
a tragic break up
with crying on the other end,
or sometimes, as it is lately,
someone with a florida
number
trying to get you to refinance
at these new
historically low rates.
they can't believe they
have a human
voice on the line, and struggle
to pronounce your name,
before they begin
their rap.
you don't hate them, waking
you up, like they do
in the middle of the night,
but there are things
with a knitting needle
that you imagine
doing to them.