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You frown with the sight of all the stains that is now covering your carpet. You spot orange juice stains and grape juice stains and in many cases some dye (that you've got no idea originated where) all over your carpet, creating a somewhat disconcerting ugly and multi-colored mess over the otherwise elegant-looking carpet. Now, you're racking your brains on the way to get those ugly stains out.
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Ah, but what if rates get smaller? Well, they could go a little lower, although not a lot more than that. There simply isn't room correctly that occurs. The Federal Reserve has its rates at zero approximately on temporary borrowing. The bonds markets have been getting two and three percent returns on U.S. Treasuries, while noticing how the national debt is uncontrollable. The risk linked to that debt is going to make it less likely that investors will buy U.S. debt in the future. The only way to counter that disaster is perfect for the Fed to boost rates of interest. Mortgage rates has decided to follow.