Prath, thank you for your probing inquiry. Isn't convergence an ex-post analysis with a "Time Value of Money" consequence of action or inaction based on "perceived" versus "factual" data? Main street behavior is affected by prices paid for goods and services purchased rather than expectations of those prices, which may or may not materialize. No company, industry, sector operates in isolation or is affected by a solitary factor. As is with everything, there is no one-size fits all. Investments should be triggered based on expected returns on equity and my article attempts to emphasize that notion.