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<div style="background:#fff;border:#bbb dashed 1px;padding:5px"><a href="http://www.citatepedia.com/comments.php?id=195391" style="color:#000;text-decoration:none"><a href="http://www.citatepedia.com/comments.php?id=195391" style="color:#000;text-decoration:none">Our tree is actually a tree of the short-term interest rate. The average direction in which the short-term interest rate moves depends on the level of the rate. When the rate is very high, that direction is downward; when the rate is very low, it is upward.</a><br><br /></a>quote by <strong><a rel="author" href="http://authors.citatepedia.com/by.php?a=John+Hull">John Hull</a></strong></div>

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