Chart 3. The title is "With short-term interest rates at a 45-year low, a rate hike is inevitable, if not imminent, which could cause strain in some sectors".

This line chart shows the difference between effective federal funds rate and the consumer price index from 1989 to 2004. The effective federal funds value was at 9.44% in 1989 and dropped to 3.04% in 1993. It rose to 6.47% in 2001 and is at 1.0% in 2004. The consumer price index was at 4.8% in 1989 and dropped to 3.14% in 1993. It rose to 3.42% in 2001 and is at 1.8% in 2004.