What we must note in this board is that -How the Fed moves money to us is by keeping interest rates low for an extended period of time (that way we can borrow money cheaply). Does that make sense? The amount of currency in circulation actually doesn't go up and down much from year to year - even when the economy is struggling. Why do you think this is? And, did you just notice the 75 basis point increase. That should cool the housing market.