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With lower mortgage rates, monthly payments are smaller, which frees up cash. For example, for a mortgage rate of around 6% compared to 6.85%, the difference in payment on a $600,000 loan is about $310 per month.
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It is worth noting, too, that humans often follow a less rigorous process compared to the clean room rules detailed in this blog post, that is: humans often download the code of different implementations related to what they are trying to accomplish, read them carefully, then try to avoid copying stuff verbatim but often times they take strong inspiration. This is a process that I find perfectly acceptable, but it is important to take in mind what happens in the reality of code written by humans. After all, information technology evolved so fast even thanks to this massive cross pollination effect.
The NHS says gallbladder removal is a common and safe procedure but as with any operation there are risks, including blood clots or infection.