Huh?

I saw this ad the other day. It raised more questions than it answered.


What's with the random dude (sans shirt)? What about him says refinancing? Is he supposed to represent the Everyman? Or the U.S. government? And why isn't he wearing a shirt? Maybe his high mortgage payments have cost him the shirt off his back. Hell, I dunno. It just seemed very, very odd to me.

[Cross-posted.]