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  _____    _    _    __   _     _____    ______   
 / ____|| | || | || | || | ||  |  ___|| |      \\ 
/ //---`' | || | || | '--' ||  | ||__   |  --  // 
\ \\___   | \\_/ || | .--. ||  | ||__   |  --  \\ 
 \_____||  \____//  |_|| |_||  |_____|| |______// 
  `----`    `---`   `-`  `-`   `-----`  `------`

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Text this: A REAPPRAISAL OF ALTERNATIVE MODELS OF THE SHORT TERM INTEREST RATE