You make a good point. I'd like to note that rates are low because of a lack of demand. Since recorded history, natural interest rates have hovered around 6%.

You make a good point. I'd like to note that rates are low because of a lack of demand. Since recorded history, natural interest rates have hovered around 6%. We are at an unnaturally low period of history. With it has been the weakest recovery since WWII. That's a demand issue.