although your response sounds a lot like, "I'm right and you are wrong".

We can agree to disagree though. Never considered myself part of the herd. Certainly not the herd that has determined that long term bond rates will never exceed 3% again because they can't see past the last few years. And professional brokers that can't beat 4% certainly don't seem to deserve 25% of your increase (1% out of the 4%), but from a broker's perspective, I could see how one would argue 3% instead of 4% since the difference, 1%, is going in a broker's pocket.

The majority you refer to are people that can only see what has happened the last five years and they don't have the experience to understand that things always change.