(RECAP: Remember when the Federal Reserve was going to raise rates next spring? Yeah, well that was fun while it lasted. After multiple mini-panics that the U.S. central bank was ready to tighten sooner than expected, market experts have begun to resign themselves to a Fed prepared to stay lower for longer—perhaps much longer. Though QE, which refers to the Fed’s monthly bond-buying program, ended in October, expectations are dimming that it could foretell a rise in rates anytime soon.)