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> The only way seems to be interest rates on personal loans and mortgages.

Most interest rates across the economy are set in relation to a benchmark rate, which loosely follow the Fed rate. E.g. the US prime rate.

This effects essentially all credit that isn't fixed rate, which is a huge portion.

How this effects you -- the price of credit that businesses use to function, which essentially every business uses, ultimately shows up in the cost of goods.



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