I agree Brandon. We have full employment, deficit spending, and a weak dollar. Why anyone would think that the rates are going to stay low in this enviornment are just kidding themselves. The other misconception is with Oil. Once Oil breaks then inflation is going to pick up and pressure will increase for more rate increases. What people don't get is that energy is a consolidator of liquidity. Once the money that is being spent on energy is freed up it will flow to sectors that are in the inflation numbers. High oil prices are actually a damper on inflation. John