The Fed and its wavering about raising rates is a great part of the volatility. It will, it won't, it may and it may not. What's even more puzzling to me is the market's up and down reactions to what will be an almost inconsequential event. 25 basis points to get the party started. Then they can sit on that feel-good and go home for another year, those individual district members shutting the hell up. I want that teeny-tiny bump just to get it over. Anything wrong with an approach to normalization? Trueheart