Interest Rates   January 25, 2012 30 Day NYFR: 0.26% Prime: 3.25% Prime/NYFR Spread: 2.99% 20 Year T-Bonds: 2.82% (1/23/12) NYFR is the New York Funding Rate Note to Clients   All the forces in the world are not so powerful as an idea whose time has come. (Victor Hugo)

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