By the end of Jan. 2006 they may have another increase of a quarter of percent, then another one by the new Fed chairman in March to show the market he is not an inflation dove. So the rate by that time will be 4.75% or even 5% depending on the market situation. Most mid and small size companies in America therefore will have to pay 9% or more for their commercial loans. The cost of doing business will be higher and the price of 10 year t-bond will be lower and its yield will be higher. What is the equity market going to be in 2006? Any ideas? any new year's resolution?