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it s going to be a long time before we see it, i m afraid. in terms of people taking out mortgages and car loans and things like that, yes, we probably will begin to see some kind of squeeze. but it s not dramatic. these are very small movements. i mean, let alone let s not forget they are talking about 25-point basis height. rates are still unbelievably low by historical standards. what is the dilemma if we have unforeseen events? another terror attack, if the eurozone starts breaking apart. we have other huge blows in the global economy. one of the reasons the fed has to act now is it essentially has run out of ammunition in some ways. and what they are hoping is they start to normalize policy a bit. then at least that will give them leeway to react if something really bad happens. but the great challenge of the fed is that in some ways many of the conditions cause them to sit