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New business tax cuts, a new Federal Reserve chair and low inflation set the stage for interest rate hikes going into 2018. Speculation projected three hikes last year, but only two occurred. This was no surprise to industry experts who surmised a third rate hike would be unlikely because the economy was not in a position to support one. Most of the tax cuts set forth in President Trump’s tax plan would not take effect until 2018, and would affect businesses more so than consumers. Plus, inflation was a market factor and growth seemed to be slower than expected.

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