long term interest rates will increase to over 15%*. main factors: government debts, impossible to pay, new deb and compounding interest. then you have monopolies. with lack of competition. will keep increasing prices. no competition to cut prices. when the government was not over their head in debt, and government stopped competition, the market set interest rates. i sure miss the old ma and pa stores. all replaced by computer shopping. but it save's lots of gas. more time for gardening. (* 15% interest rates will again crash home prices by 60+%)