Corey,
That's an important post. I feel you have got so many of the fundamentals of this situation right.
Added to which, you stress the importance of Stingray's posts. IMO, his professional knowledge is unique, and we are really lucky to have him here.
We should now keep a watch for the labels starting to switch to MM5, even before the end of 4Q, and then look for what happens to drop-off rates on those CDs...
alj14
Market Data 
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