Phoenix used to be one of America’s inflation hotspots, with skyrocketing prices. Now, the pendulum has swung the other way.

A half-point increase in the peak of inflation, a one-year extension in the return to a sustainable rate of 2%, and slower than anticipated rate cuts, all flow from her red box, the Bank forecasts.

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For example, you might find that a lender offers different rates for conventional loans and government-backed loans. Lenders charge different rates in different states. That's because of economic ...

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