The graph shows changes in interest rates since 1975. A graph titled Average Interest Rate for a 30-year, fixed-rate mortgage has year on the x-axis and interest rate on the y-axis, from 4 to 14 percent. The interest rate increases from 1975 to 984, and then decreases through 2014.
What best sums up the information shown on the graph?

Interest rates can go up and down.
Interest rates can only go down.
Interest rates can only go up.
Interest rates show little change over time.