However, the average cap rate spread over the 10 year treasury yield has been 360 bps during that period, which compares to 430 bps today.

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The most violent contraction in RGDP occurred during 4Q2008, when the average spread between the 90-day T-bill rate and the IOR rate was the greatest, at -0.83 percentage points.

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The spread between the highest savings rates on the market and an average rate can be many times the return.

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