I've been happily paying close to half that 8c on floating. From my experience, there are very few months were fixed has been cheaper. A few times I locked in for a few months then cancelled. Given natural gas prices being in the tank, and I presume demand being lower with our economy tanking, I don't see how fixed rates could be better in the near term.
I'm not sure what extra charges change...Could she tell you what the old and new fees are?
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