Stay right where you are.  As I read I don't concur with your interpretations, nor do I with Senior's all the time, but the posts are a damn site more informative than AGTRADER.  I sometimes think the markets tend to have a more emotions tied to what happens then traders are willing to admit.

I am not sure I agree with the 0.5% drop in interest rates as being a help.  The predictions get out long before the actual decisions so the market has reacted making announcements anymore seem like a non-event.

Sitting on the board of a credit union, I see numbers from other credit unions across the state as well as the region.  Knowing what I know from sitting across the table from the state examinors once a year, the regulators of banks and credit unions are as much to blame for this fiasco as anyone.  They push for this haphazard growth in loans as opposed to solid loans and solid investments.  You will reap what you sow.