A bank does not write a thirty-year mortgage, fund it once with matched thirty-year debt, and forget it. The rate the borrower pays is fixed. Everything beneath that rate stays in motion. Short-term paper rolled against long bonds, deposits repriced, positions hedged and re-hedged continuously to hold the cost of carrying that loan as low as it will go. GOFR is a great example of active liability management. Galaxy sources across lending markets and hands the client a single optimized rate. IRIS points the same machinery at a different target. A solver does the same continuous cross-venue work but the number you hold is the one you set: fixed, at origination. The variability doesn't reach you. It stays with the solver, who took the job by winning your quote.