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As 2023 kicked off, the most discussed topic amongst consumers, business people and real estate investors and owners was interest rates. Key questions included how long inflation would remain, when interest rates would stop rising, when interest rates would peak and when we would see the beginning of a rate cutting cycle. By the end of the year, many of these questions remained unanswered, with most market participants believing that we had seen the peak and the remaining questions geared towards when in 2024 rates would start to decline and how quickly they would come back down.