The interest rate is set by the Federal Reserve Members and is based on the supply and demand of Federal Reserve Notes on hand, in this cases the differance between the DEBT and CREDIT in Their books. Lowering the interest rate by just a few points isn’t going to hurt them when you consider the Billions of Credit ($) they get a month. In the same case, it isn’t going to help US either unless you have a loan or are getting one. Be sure that they are a “FIXED” interest rate. As for the economy, it hasn’t been this bad since the days of the Depression. There is no way “They” can count the people that are unemployed so the only numbers you get are of the ones still are able to draw unemployment. When you consider that everything is made in China and you have 16M known illegal imagrants here in this country and you put it together, where are the jobs?? Without those jobs, Where is the economy? All We are doing is passing the buck around with the only ones getting any thing is the polititians, Bankers, and the Free-loaders. It is sad to realize that our economy is based on thin air, gambleing houses and services or infrastructure works. Until WE demand that importing goods are stopped This country will be in a DEpression real bad in just a few more years and CHINA is still a Communist country that WE are makeing rich (along with the Big money boys and the Politicians)! Read the archives in www.worldreports.org. Hope this helps