The Federal Reserve is now looking at depressing long-term rates, and it is not at all clear that they will hit any minimum boundary if or when they drive these rates down.

联储现在正注视着让人担忧的长期利率，现在还不清楚如果或当联储将这些利率降低时，长期利率是否会触至某个谷底。

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Many insurers across the continent happily sold policies in the 1980s and 1990s with guaranteed minimum returns in the belief that long-term interest rates would not fall much below 5%.

整个欧洲大陆的保险公司在上世纪80及90年代很乐意销售有最低回报率保证的保单，因为它们相信长期利率不会远低于5%。

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