<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>joeax</author><text>Two years ago someone I know was laid off. After a three-month climb to find a new job, they vowed to put together an emergency fund. After a sudden drop in rates, they took out a small cash-out refinance. Luckily they still have a job, but the fact that they now have that cushion puts their mind at ease.&lt;p&gt;Lesson learned: take advantage of cheap credit while you can.</text><parent_chain><item><author>brianwawok</author><text>It&amp;#x27;s also the fun part about credit.&lt;p&gt;When you don&amp;#x27;t need it, it is real easy to get.&lt;p&gt;When you need it, it is real hard to get.&lt;p&gt;This is why $1 in the bank is worth so much more than $1 in credit that you can maybe draw on. Especially lines of credit that can be called in.</text></item></parent_chain></comment><story><title>Wells Fargo temporarily suspending applications for home-equity lines of credit</title><url>https://www.wellsfargo.com/equity/line-of-credit-details/</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>WillPostForFood</author><text>The page doesn&amp;#x27;t say that they are calling in lines of credit, just that they aren&amp;#x27;t issuing new lines of credit</text><parent_chain><item><author>brianwawok</author><text>It&amp;#x27;s also the fun part about credit.&lt;p&gt;When you don&amp;#x27;t need it, it is real easy to get.&lt;p&gt;When you need it, it is real hard to get.&lt;p&gt;This is why $1 in the bank is worth so much more than $1 in credit that you can maybe draw on. Especially lines of credit that can be called in.</text></item></parent_chain></comment><story><title>Wells Fargo temporarily suspending applications for home-equity lines of credit</title><url>https://www.wellsfargo.com/equity/line-of-credit-details/</url></story>