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Going by the comments, I think we can all agree on one thing: Rates may or may not rise this month, but by early next year, they will be higher than they are now.

I've gotta agree with Jas on this one. There's the perception that last months increase has had a major impact. As we're getting into the holiday season, there'd be little impact beyond what we've already had and what the market normally does this time of year anyway. From perception point...