Remember my thoughts though. We do not live in times where rates actually matter to stupid people. Too many just want what they want. Having high interest rates is supposed to make people spend less, less debt and save more. Sadly people now don't live by those standards and just want what they want no matter the cost because "punishment" has become too meaningless and they can just be given hand outs or not care at all.
If this is what everyone is relying on, they are going to be highly disappointed. Also, they will manipulate the numbers as always.