First half of this year will see another rise, maybe two. Second...

First half of this year will see another rise, maybe two. Second half of the year will see rates drop and nearing the end of the year drop quite a bit.

The past 20 years has seen us follow US rates trends with a lag of approximately 6 months, this year will be the same. We never get as low as them and we take about 6 months to react but we always end up trending in the same direction.