Lol - you are losing it. Overly defensive about the 0.75% are we? I agree: it looks bad.
Did I say anything about mortgages or business transactions? Sharpen up on your comprehension skills....take some fish oil or something.
I was pointing how things in the states DON'T happen the way the powers-that-be tout that they will.
They - and you - touted 4 interest rate rises as being on the agenda for 2016.
Didn't happen.
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