Think about it. The Fed has been easing for 15 months yet mortgage and credit card rates have barely moved. It doesn't make a lick of difference what anyone wants rates to be. Without (A) a DEEP and/or LONG downturn, or (B) the Fed buying 10yr bonds (which they'd do in response to (A)), this will not change much. You can hope and wish all day.(𝐓𝐗𝐌𝐂)