But even at its lowest point, interest rates were just 0.18 percentage points higher, not a quarter-point rise in interest rates. How long has it been? Are you still in touch with each other...even if it's casually? If you are, then there's always a chance. There is a a few different tactics that one could try. You can apologize, maybe send flowers plus a card. If this upsets her or makes her mad then you will have to try and find something that will not offend her. Most western interest-rate determinism focuses on the analysis of supply and demand comparisons, arguing that interest rates are a price. The difference lies in what supply and demand determines interest rates. For example, Marshall's real interest rate theory emphasizes the real factors of non-monetary factors - productivity and the role of economy in determining interest rate decisions. Productivity is expressed by marginal propensity to invest, and the marginal propensity to save is expressed. The independent of interest is of positive significance to show the active role of the fund users in the reproduction process.