And I will say this Tyler, I will double down my bet of a beer over the rates being hiked in 2 years. They want to hand the election to Hillary (while Jeb and the other RINO's block small government messages), there's absolutely NO WAY the FED will raise rates in 2016 during an election year. They will say they will hold off by 2017 after "hinting" at it left and right throughout 2016.
You give me two years from today...I'm in on this bet. Rates are going up sooner than you think. It's going to be an inch, not a foot, but it will still help our business...