A very subtle explanation.

[Frederick]

Madam or Sir:

I am glad to inform you that your name was selected
for the special government grant  "R A T E   FREEZ"
program. This qualifies you to lower your ra t e
by 2%.  Because the spots are limited we need to
respond within 24 hours of this notification to
reserve your spot.

http://www.kyqdv.com/

Thank you.

Frederick