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start a refinance. you can go directly to a lender, you can approach a broker. one way we like to do it at cnn underscored is with an online marketplace where you can get multiple offers at the same time. if you want to start on that process, and i recommend that you do if you haven't already, check us out at cnn.com underscored for a list of our favorite online lending marketplaces. >> what a pleasure to talk to you. happy new year. let's all start with a clean slate, if we can. thank you so much, julian. >> happy new year to you. >> happy new year 2022. make this the year of less stress and more yes with northwestern mutual. n. ♪ ♪ find a northwestern mutual advisor at nm.com ♪ i see trees of green ♪ ♪ red roses too ♪