They both say rates will go down. So I feel I must take out my crystal ball for a friend ;)

Rates will go up with a vengeance.

o. Between lack of fresh water to operate the Panama Canal and our favorite subject (haha) limiting the Suez Canal shipping costs will remain high.

o. The wars are making it difficult to mine and sell fossil fuels.

o. If we have peak shale there's gonna be trouble.

o. Chinese factories are going under. Once inventory is sold off, with supply diminishing...

o. Lack of immigration will raise costs

I still predict mortgages will shoot past 10% in the next few years. Too much building and not enough set aside for maintenance.

Hope you're well!