These interest rates we have now don't make any sense.
Put simply, rising rates make life more difficult for just about everybody.
Higher rates will also make life harder for people who are just getting by.
Higher rates make it more expensive for them to do business.
Last year the rate was about 1.94 making a barrel of $147 oil around £75.
Does the real interest rate built into the yield make sense?
Second, higher interest rates are making consumers think twice about how to spend their money.
Particularly having an official working poverty rate can make the definition more important than the people.
Those low rates made taking on more risk cheaper and safer.
The rate of $32 to $40 a person makes this an extraordinary bargain.