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 Fed funds rate? Or CPI? 
 Sorry, should have been clear. On FED funds rate 
 Yeah, I would take the over on cpi 
 Unlikely in 2024-25. It could possibly go sub-2% in 2026-27, but I think that the days of very low interest rates (like we had in the 2010s and early 2020s) are officially over. 
 That's what I'm thinking as well. I think we drop into the mid 3s late 2025 but I don't know what happens from there. 

Wouldn't be surprised if we get other forms of government money meddling