Perhaps this writer should take a look at US rates first,the 10 year bell weather rates for T Bonds are going down,not up .Rates for 30 Mortgages are also down this week.Yes we deflated for 35 years and yes the cycle will change back to inflation but it will take a long time like 35 years from bottom to top of rates.There is no hurry right now.The price of Oil is not going up any time soon which is deflationary.