text:  Bill at Bill O'Reilly dot com. OK, let's go to the mail. Ravonna Roper, North Highlands, California. Love the news. You reported that the Bidens refinance their home mortgages every 17 months. My question, do the taxpayers make money from this? No, it has nothing to do with the taxpayers. My question is, why are you refinancing to the tune of six million dollars?