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I don't mind at all that I was only 25pts too optimistic! Another 50 pts in Feb will do just nicely thanks! Who's gonna start the poll for February?

Just noticed someone has hedged that they will raise the rates! Are you serious? Care to tell us why? Genuinely curious :)

I put forth my 125 hunch in a similar thread a while back and I haven't changed my guesstimate but I am also wondering, if lower inflation may affect this. At the end of the day, any drop will bring needed relief and be welcomed.