It has been quite a few years since we had something up here. The desire to post comes and goes .This blog has less posts than the number of years it has been around. It has been an on and off project at the whim of many change of hearts on whether to post a thought or not. It has seen 2008 and the corresponding Eurozone crisis and now, a pandemic in the short (relatively) span of just over 10 years. Somewhat hard to predict what comes next. Nevertheless rates will be zero for now and forever by the looks of it, though I do have my doubts about the US...