The low interest rates will continue until morale improves

That sucking sound you are hearing is that of the historically low interest rates consuming any hope that rates will rise any time soon. Federal Reserve Chairman Ben Bernanke says that despite the U.S. economy's slow improvement, it still needs Fed support to get things humming again. That means short-term interest rates will stay at nearly zero until unemployment falls to 6.5 percent, which probably won't happen until at least 2015.

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