So...........you seem to insist on "fighting the Fed". From today's CBS article on Fed's latest: "Although the Fed said it plans to keep interest rates low for a 'considerable' time, investor's seem to think the first rate hike could come sooner rather than later." Looking like you are one of those predicting "sooner". Sooner than what? Eventually, like a stopped clock, you will be on top of it Lee. Good luck.