I'm on board with Ray with them not raising rates but I've seen them do it here lately so who knows. I get both sides of it and just don't think they're quite ready to flip that switch just yet. Each time they raise em' it closer and closer. Funny though how a normal Joe can't go down to best buy and buy a top o' the line printer and start running $100's but the fed does this digitally day in and day out 24/7 and has been for a loooooong time keeping this economy afloat. Hmmmmmmmmm, not really all that funny.........