Ill start with you, peter. You kind of saw this coming. You are a Global Market observer. You saw this coming in part because of the sharp move in Interest Rates. Everyone had been talking by the. 2. 5, 3 isnt a big deal. But i guess its the rate they were moving. From the very low level they started to rise. We hadnt observed a lot of Interest Rate volatility. So twoyear treasuries rates had not increased too much until september or october of last year, and they went up 1 . Frofrom 165. Charles what does it mean for the bus driver or Police Officer with a 401k . No one has seen this drop on the dow industrial average. The day on the market today was an overreaction to the moving rates. When you get a lot of market volatility, people start to buy treasuries again and rates stop going up. So this a reflexive move back into treasuries which takes away the reason people started to sell in the first place. Rates in our view will stabilize. The fundamental backdrop is fairly robust. We hav
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