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If we expect a reversion to the mean for interest rates in the looming world order of large budget deficits and a more risky government fiscal profile compromised by humongous national debt where does that take us? Intuitively you figure borrowing rates eventually will land somewhere in the mid to maybe high-single digits. They can't stay as low as post 2002 period, but they won't go as high as the early 1980s–the salad days for investing in money market accounts and bank CDs.

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