Jashmine,

The interest rate is low not because the "market crashed a month ago" but because of slow economic growth, companys are not posting good quater results due to credit mess, so fed is contineously lowering the interest rate in the past years and analysts still predict more to come.

By the way there was no market crash a months before. That was to saved by fed lowering interest rate.

Anyways, I see the points you are trying to say to rockey07 valid !