Below is the three-year bond real interest rate from 2000-2015. Explain why the real interest rate is positive for most of the 2000s and what explains it being negative in 2008-2009 and 2010-2015. What explains the near-zero real interest rate in 2015? Assuming this interest rate was used to make loans, who benefits from interest rates post-2010?Figure 8.2: Three-Year Bond Real Interest Rate: 2000-2015 
(Source: Federal Reserve Economic Data, St. Louis Federal Reserve)
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