Explain an interest rate change to my clients in an email

Write an email to my client list about a recent interest rate change. My role: [e.g. real estate agent, mortgage broker, financial advisor] Market: [city, region, country] The change: [which rate, old and new level, date announced - paste the official announcement or a news summary] Who is on my list: [first-time buyers, homeowners, sellers, investors, past clients] Local market facts I can share: [e.g. recent sales, inventory, days on market - from my own sources] My call to action: [e.g. book a call, get a pre-approval review, request a home valuation] Tone: [warm, calm, professional] The email should: 1. Open with the news in one or two sentences, in plain language. 2. Explain what it may mean for each group on my list: affordability, monthly payments (with a simple illustrative example clearly marked as an example), fixed vs. variable borrowers, and buyer and seller behavior. 3. Stay balanced: what could change, what probably won't change quickly, and that outcomes vary by person. 4. End with one clear next step. Rules: - Use only the facts I provide. Mark anything I need to fill in as [ADD] and any figure to verify as [CONFIRM]. - No predictions presented as certain, no pressure tactics ("buy now before it's too late"). - Include a short disclaimer that this is general information, not personal financial or mortgage advice, and remind me to check my regulator's and brokerage's rules for client communications. Return 3 subject lines, the email (under 300 words), and a 2-sentence version for text or social.