[murph-almighty]

Fed rates can't really get much lower, so I'm not sure how that'd work out...

[Robotbeat]

They can. They're at 1.55% right now (they were at 2% not long ago, I guess they're trying to stave off a dip in demand). During the depths of the recession, they were basically 0% (i.e. 0.07%, etc). Below inflation.