I have read through the book, and while there are no noticeable scratches or stains, please understand that it is a used item. This book explains how to choose a home loan that suits the era of rising interest rates. - Title: Borrow Home Loans with "Variable" Rates - Author: Takashi Shiozawa - Genre: Business/Economics - Features: Content that can handle rising interest rates - Time: Understand in 1 hour Thank you for viewing.