I think you're assuming some backstory to my comment that's not there. But, for what it's worth, the rate hikes needed to start years before that, probably bet

I think you're assuming some backstory to my comment that's not there. But, for what it's worth, the rate hikes needed to start years before that, probably between 2013 and 2015. 2010-2020 was the window to make up for big spending.