Thank you so much, this is exactly the explanation I was looking for. Just to satisfy my own curiosity, is there a link or article that mentions rates going up? I googled before posting this and found nothing.

Ok I just double-checked and saved the screenshot: https://imgur.com/a/n8R4hJv

I just checked and took a screenshot, take a look: https://imgur.com/a/n8R4hJv

But you don't have to go in person, you can just mail them a check!!! And save $6! That's a lot of money, have I really been paying that much extra all these years? Also I updated the post with screenshots: https://imgur.com/a/n8R4hJv