Interest Rates   January 6, 2026 SOFR: 3.67% Prime: 6.75% Prime/SOFR Spread: 3.08% 20 Year T-Bonds: 4.80% (1/06/26) SOFR is the Secured Overnight Financing Rate Note to Clients   For last year's words belong to last year's language and next year's words await another voice. And to make an end is to make a beginning. (T.S. Eliot)

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