Need Help from the Smart Economists

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Ordinarily you would see the rate fluctuate in accordance with the fed rate. However as everyone must have heard by now, banks are not lending money very freely at all or at better rates despite the fact that the central bank is all but throwing money at them. I would wait and see. Something is going to have to be done to free up the credit market or else we will experience new levels of being down the sh!tter.