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INGRES database to the PC-based Gentium management information system. Some weird people think that the Treasury somehow has'inside'information, and thus were expecting lower rates/inflation and thus keen to refinance at those ever lower rates, thus shorter term debt, and now they expect rising rates/inflation and thus are keen to lock in the existing low rates for 30 years. Rates are set throughout the term of the loan which is typically for 15 or 30 years.

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