There’s backer expectations of at least one drop in the second half of 2024
I’d you look at bank gic rates you’ll see an indication of what the bankers are predicting
For example, short term 1 year or less, have better rates than 2-5 because of this sentiment
That doesn’t mean it’s guaranteed, just the overall direction that is being expected
However, of you have some cash, there OSS some quick 5% returns to earn on 8 month gics lately
You kind of countered your own comment at the end
One of the leading causes of alcoholism is cheap access to alcohol