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It is time for a rate increase … more correctly termed “a rate” … as it has been zero for too long. With that said, the most productive approach to wean Wall Street back to reality from the “zero rate era” would be to advertise that a half-point increase is coming … followed by an actual increase of the “traditional quarter point. Wall street fears that financial markets will be torpedoed will be tempered by the modest and traditional quarter point increase. This would require restraint and discipline and not pandering to political influences. Tall order for any government connected organization to practice.