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I think someone will se their bet, I believe interest rates will go up once more before they come down early next year. Bet's are on !!

Rate dropping !! I wouldn't be holding my breath there's currently a major squeeze for banks in relation to cost of fund and I wouldn't expect we'd have the major's pass them on ASAP. However I do agree the economic times are tough if I was a betting man I'd say the earliest would be early next...