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Borrowers but not investors, do you agree with that? >> this is a very small change. if we get a quarter point it is at 0 and things like mortgage rates dont reprice according to the rate that the federal reserve controls. and so at this point, no big changes for most people in terms of borrowing rates and loan availability and what you will paid on your savings as well. >> and on the investment, we would not see significant increase for two years and end of 2017. >> and that is in the federal r...