I stay at home and look after the children desmopressin pharmacy2us "We are not seeing rates rise due to better growth," Zenouzi says. "That seems to be the 'consensus' opinion, which we believe is wrong." He sees more volatility ahead based on a close look at underlying credit spreads, which are measures of gaps between interest rates and options on credit defaults or between different bond maturities. They have a history of predicting market moves.