There is a lag there though, but I wouldn't think there is too...

There is a lag there though, but I wouldn't think there is too many more hikes left in this market, world events aside. Maybe 0.5%, half next month half in Feb, though spending figures that time of year always lend themselves to rate hikes.

Optimistically, priced up my first WISR unsecured lend today in a while and was pleasantly surprised with the rates. So that is a plus for the company, rate differential of 1.75% off a secured new vehicle I am pricing up now. WISR secured only 0.5% less than their unsecured rate, which is what I meant about them pricing themselves out of secured earlier.

Chart looking ok, just need Pooooootin disposed of and it is happy days.