rate cuts come in to improve an economy. they rarely cut rates for no reason.
i feel that within a few more rate hikes, there will be many in distress and inflation/unemployment will be in a different position as it is today.
fix each rate as i get new 1.
although any new rates i will be fixing for only 3 yrs, as i feel they are getting too high to justify and in 3 years predict a reversal in rates.