I agree pdx however this time around I think they have something else in mind so it won't be coming into the market and we're gonna be sideways for a few more years to come. They over did it with low rates on purpose I think. If we were in Greenspan days the Fed would have started lifting rates right after the 2009 crisis was done around 2012 to bring them back to normal, not wait an extra 100 years. Bellard or whatever his name was made a great point the other day. The fast increase of rates was just to bring back rates to normal and nowwwww they are getting into tightening mode. The problem is too many people in my view got used to extra low rates and as they have to adjust to higher rates for housing and loans because they are so extended its gonna cause problems, thus much slower economy etc. For some reason I think the government now wants a major slowdown for some reason,,,,dependancy on government maybe, not sure.... Anyhow all this combined makes me think the market is going to be flat for some time to come with big swings inbetween....