I correct, interest rate cut likely from March. But I don't think it will go any lower if interest rates stay the same...

https://www.morningstar.de/de/news/244828/usa-inflation-h%C3%B6her-als-gedacht---wann-kommen-zinssenkungen.aspx
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@TopperHarley well, if you raise it at the end of January, you can of course lower it again to the current level in March. 😅