JPM earns a record breaking $3.8B following the worst financial crisis since the Great Depression. INTC is humming along nicely. Oil is over $75 a barrel and probably on its way to $100 again. At what point does the FED actually raise rates? All is well in America but rates are still hovering around 0%. Why? The banks are not only off life support, they are shattering records. Earnings are strong. There is no reason to keep rates at these levels.