one of the beautiful things about the lockdown was just the clean air, the cessation of consumption for consumptions sake, the brakes on capitalism. Could low rates be a similar event? There is nowhere for money to grow, except in its own supply, more of it, to try to entice people to grow and consume, but no, they’ve had enough? or is it justa temporary blip? At 2.% on the 30, figure the 15 year might be 1.625, buy it down with a couple points to below 1%. Sign me u p for that deal. i too feel that there’s at least a 50% chance that comes our way, within the next 120 days