?? ??? ??? ????? ????? ???? ???? fluctuations ???? ?????? ?? ???? ???. ??? shifts ???? ?? ????? various ???? reaction ?? ????? ??? monetary ????? rate loan, ? opportunities ???? ?? ?????. ????? ???? ???? ???? ?? ??? ?? ????? ???? ?? ?? ???? ?? ?????? ?? ???? ????? ?????? ????? ???? ?? ???? ?? ?? oth