The article discusses different models for predicting interest rates and how they can be adjusted to match real-world data. One model can fit any observed yield curve perfectly, while another compares two different ways of predicting interest rates and finds they are very similar. Another model revisits an existing one and improves it to better match real data. Lastly, a new solution to predicting interest rates is presented, which is slightly different but still useful for understanding how interest rates change over time.