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I believe this 25 basis point rate hike, on the surface, is the "boot dropping," but in reality, it's the starting gun for a new round of tightening cycle. Don't be fooled by the short-term calm. Although it meets expectations, 16 out of 18 people in the dot plot think there will be more hikes before the end of the year. What does this mean? It means the current 3.75%-4.00% is definitely not the peak.