Yeah, people greatly underestimate mechanical suspensions.

Not OP, but:

• It works on any platform.
• You can share and collaborate on notes (great for family to-do lists and shopping lists).
• File based, but intelligently synced.
• Nested tree structure to organise notes.
• Free form formatting, including positioning.
• Inking support and OCR.

If you can think of any note taking feature, 99% it’s already there and works like a charm.

It’s only useful as a giant road block.

I don’t care about US, not everyone lives there.

For 2-5 years? Ok, cool.

That’s because if the rates suddenly go up, you won’t be able to afford the mortgage and you’ll go bankrupt. If your rent goes too high, you can just find a cheaper place.