Famous British economist hicks and others argue that the above theory did not consider the factor of income, and therefore unable to determine the level of interest rates, in 1937, and puts forward the is-lm model on the basis of general equilibrium theory. It establishes a theory of interest rates and income at the same time that the four factors of savings and investment, money supply and monetary demand interact. Micron has not seen the arrival of a plentiful supply, instead saying that DRAM and NAND demand changes are long-term and sustainable. That means other DRAM and NAND providers will have similar views in coming quarters. But hey! Come on baby boomers' it isn't yet the end around the globe! . . Just widen your horizon and open your options! . . Don't you realize that using your $1,000 / month pension you'll be able to still need your 'dream retirement' in the tropics and live like a king? With that budget, you can rent an appropriate fully furnished 2 BR bungalow or 2 BR Apartment or Condo, with complete amenities! You can even possess a caregiver to look after you or perhaps a maid/servant to serve and allow you to doing household chores! You can shop the selection of food or dine in fine restaurants and definately will reside in a nice community and co-exist with the warm and hospitable 'locals' with a smile, who speak and understand a foreign language! Then the interest rate theory of the loan is the interest rate theory of neoclassical school, which is proposed to correct Keynes's theory of "liquidity preference". In some ways, the theory of interest rate can be regarded as a synthesis of classical interest rate theory and Keynesian theory. "Conceptual framework" published by the financial accounting standards board