So what are these three factors? They are Cost-Per-Click's (CPC's); which is the sum of money Google pays in the market to a publisher after their ads are clicked by way of a visitor. Click-Through-Rates (CTR's); which is a percentage figure showing frequent AdSense ads are clicked divided by the quantity of unique visitors passing by having a particular site and also the third essential factor is traffic levels. Edwards and bell's point of view "The borrower may feel that they are from a rise in the benchmark interest rate in the full impact of ease, but when the highest SVR is priced at 6.08 PC, know some SVRs didn't see a rising interest rates could no comfort.