Rate and Reserve

[Verse 1]
Money on the table
Borrowed for a price
When rates climb higher
Loans get tight
House keys, school bills
Cars at the curb
Every tiny change
Moves the whole world

[Pre-Chorus]
Cheap money flows
Then the tap gets slow
One small signal
And the markets know

[Chorus]
Rates go up, rates go down
(hold the line)
That’s the lever turning now
(hold the line)
Rates go up, rates go down
(hold the line)
Feeds the fire or cools it down

[Verse 2]
Central bank hands
Watch the lag and heat
Too much spending
Pushes up the beat
Too much slack
And jobs fall through
So they nudge the wheel
Till growth feels true

[Pre-Chorus]
If inflation bites
They take away the spark
If recession hits
They ease the dark

[Chorus]
Rates go up, rates go down
(hold the line)
That’s the lever turning now
(hold the line)
Rates go up, rates go down
(hold the line)
Feeds the fire or cools it down

[Bridge]
Not a magic fix
Not a perfect cure
Late to the turn
But still a tool
One small move
Can shake the room
Slow the rush
Or bring back bloom

[Final Chorus]
Rates go up, rates go down
(hold the line)
That’s the lever turning now
(hold the line)
Rates go up, rates go down
(hold the line)
Feeds the fire or cools it down
(hold the line)
Rates go up, rates go down