Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to mitigate interest rate risks [title] Assess your risk tolerance. [step] If you have any variable-rate loans, your interest rate might increase. The amount beyond what you're paying right now that you could pay without interest payments destroying your bottom line is your tolerance.

Ending1: Although this might seem like a lot of money, estimating your tolerance over time will give you a sense of whether there are any potential losses you can make in the future. [substeps] You can calculate your tolerance level by dividing your tolerance by the number of monthly payments you've made in a year. Ending2: [substeps] The amount of tolerance you have will depend on income and payments coming in, such as if you are receiving interest from another source. Look at what you think might happen to interest rates over the life of any variable-rate loans you have. Ending3: [substeps] For example, if your unit price was $100 , 000, your tolerance level might increase by even a few percent. In order to mitigate your added expense, add up the total and pay that extra with interest. Ending4: Think about your rates and your risk tolerance. Try to choose something that may be the same at different rates.

Answer format: ending1/ending2/ending3/ending4