comment on the current interest rate (as of this week not the information in the book) and investment environment and indicate the recommended asset allocation for the Peyton's given their risk tolerance and your outlook on the investment rate environment. Make sure you discuss current interest rates and whether the curve is upward sloping, downward sloping or flat and what that possibly means for stocks. If interest rates go up, the bonds market value will decrease. The bond with the 20 year term to maturity will decrease more