Rates will never go up to where they were. The continuous loss of good full time jobs,
and the creation of more part time jobs with the raising population will destroy any chance of recovery. Children will elect to live at home with their parents, and more famialies will buy a one family home, and divided into a two family to help pay for the taxes which are way to high. therefore we will become almost a thrid world nation. You canot buy a house on a part time salary.