He couldn't have cared less about my wants or needs. Even without asking my age or goals, he simply thought I was stupid for continuing to ladder my GIC/CDs. As a species we really cannot contemplate an entire shift in reality. Another example is the member of our condo council who took such pride in locking in a long-term natural gas contract for our building. He did that at the all-time highs earlier in the year. He most assuredly figured he was doing us a favour. Again, assuming the present will continue indefinitely into the future is what we do best.As far as a moral to the story, I don't think there is one. I am happy I didn't move my cash, and eventually it will be a relief when we can go back to market rates on gas. Crystal balls lie and truly only reflect the things which have already happened.