In my life the simpliest way to look at rates is that strong economic behavior is not good for rates, meaning they will increase; and weak economic behavior is good for rates, meaning they will decrease. In our current situation I'm not so sure it's a big pickup in the economy, as much as it's a substantial increase in
Consumer Confidence
So where am I headed here, you may ask?
Actually there is a point, I'd like to make, and I'll make it very simple: