RE:My essay of the weekGood observations Rai19.They should never allow any countries prime rate to go below 3% thus keeping a sustainable balance between people who save money and people who borrow money. They have created a system where the savings of the older generation who live in 150 k homes are being given no interest on their money and using their money to lend at 3% to younger generation to buy and live in 300k homes.If they kept the prime at 3% min than the older generations would have some income and the younger gen would pay 6% interest and could only afford 150 k homes too .