sounds like you have to pay the bank an economic cost.
way it works is they buy funds at a certain price and price the future return at that rate.
should the rates fall, the bank forgoes that income and charges that back to you.
heres the tip: if you are going to break, break immediately, because the further rates go down, the more theyll charge you because the more they have forgeone.
read up about opportunity cost, its a similar concept.
