to speed up the economy banks need to be forced to lower rates...

to speed up the economy banks need to be forced to lower rates on credit cards , personal loans , car loans ect, we'v had housing booms when home loan rates were 10%+, lowering mogage rates any fearther will do jack, any one with a home loan wont be reducing there payments they just keep paying the same amount so very little money if any goes back into the economy , current rates are the proof in the pudding.....