Hi Tom,,, i too have felt the ceiling,,, we thought it good to move when we did,,,, its that econ in me that said move now so we did last week,,,did you see yesterday's report on trade deficit? up over 20% in one quarter? yet , they were saying fed about to stop tightening,,,,, I guess i believe the debts,,, not that tightening is going to stop,, i thinkm fed funds to 5.25% or higher but that's my take on it,,, I will re-adjust when the fed announces tightening is over for awhile,, i think their hand will be forced to go higher,, so mucho chips off the table for me,, even a few more today, Ken
