{"rate": 0.0375, "reason": "By December 2025, it is anticipated that the Federal Reserve will have initiated several interest rate cuts from its mid-2024 peak. This prediction assumes a controlled disinflationary trend, a stable labor market, and a desire to normalize policy rates closer to a neutral stance without triggering a recession. Geopolitical stability and supply-side dynamics could influence this, but a rate of 3.75% represents a moderate easing."}