Quotation marks let you shape the emphasis of your sentence.
When you place a word or phrase in quotation marks (" "), the AI knows to pay particular attention to those words.
After the fixed-rate period ends, your interest rate will adjust “up or down” based on an index.
When we entered the sentence without quotation marks, the AI read it like this:
After the fixed-rate period ends, your interest rate will adjust up, or down based on, an index.
To get a more natural reading, we placed the phrase “up or down” in quotation marks to ask the AI to treat it as one unit.
We've kept the "clean, stream-lined look" that you've "come to know" and love.