people were expecting them. i remember people were expecting them. i remember in people were expecting them. i remember in 2009 people were expecting them. i remember in 2009 when - people were expecting them. i. remember in 2009 when interest people were expecting them. i- remember in 2009 when interest rates were cut remember in 2009 when interest rates were cut to remember in 2009 when interest rates were cut to record remember in 2009 when interest rates were cut to record lows, remember in 2009 when interest rates were cut to record lows, and remember in 2009 when interest rates were cut to record lows, and we - were cut to record lows, and we thought were cut to record lows, and we thought in were cut to record lows, and we thought in a were cut to record lows, and we thought in a few were cut to record lows, and we thought in a few months, - were cut to record lows, and we thought in a few months, and l were cut to record lows, and we thought in a few months