I realize that the Federal Reserve Bank Board (hereinafter called "the Fed") must balance its efforts to either raise or lower interest rates, because it cannot accomplish both at the same time. But I also realize that the effects of increasing and decreasing rates are different, and cannot be accomplished simultaneously.

I recognize that falling interest rates tend to increase inflation caused by a higher level of consumer spending, enabled by an increased dependance upon consumer credit.

However, rising interest rates tend to:

Limit corporate borrowing which decreases alternative energy research;
reduce investment in aging, corporate infrastructure;
Limit the ability to borrow the funds needed to install new energy producing infrastructure, that can reduce the dependance upon petroleum; and
Lower the ability of many people to buy a home.

I believe that the Fed:

Cannot control inflation from rising energy costs, other than by encouraging research and investment in alternative energy infrastructure;
Cannot reduce the credit crisis without making it easier to borrow;
Must put its efforts toward change that it can accomplish, rather than toward change that it has no power to implement.

I also believe that the current credit crisis was a result of irresponsible lending practices, rather than a specific consequence of affordable interest rates.

THEREFOR...Because an effort to reverse inflation that it cannot control, by increasing interest rates, will only succeed in hurting the public, I hereby request that the Fed continue to do all it can to lower interest rates in order to:

Encourage alternative energy research and investment;
Encourage corporate investment in its own infrastructure; and
Enhance the ability of more people to achieve the American dream, that of home ownership.