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Federal Funds Rates and Discount Rates could indicate where the market is going in the near future, but they do not have any impact on the morgage rates of interest either directly or immediately. In some cases, you can identify forward-looking statements by terminology such as may, will, should, expects, plans, anticipates, believes, estimates, predicts, potential, continue, or the negative of such terms or other comparable terminology. The problem is that we don't know on what dimensions they want to create averages.