service that charges interest. I said when interest rates rise, prime rates will go up and that will usually drive loan rates. The loan market isn't going to pass on an opportunity to make more money by not raising their rates, but they need to do it because the cost for them to get the dollar to loan got more expensive for them, that is just basic economics.

The standard for an inverted yield curve is the 2 year treasury and the 10 year treasury, you might have other people use shorter term notes, I have seen as short as 3 month, but when they talk about inverted curve and recession, it is usually the 2 and 10. The last time it didn't result in a recession was back in the 1960's, so 60 years ago, but each one since has resulted in a recession.

I sure hope you are right when you said you don't think rates get to 5%, but it's not looking good when the rate today was almost 4.5%